How to Cancel Cigna Dental Insurance in 5 Minutes
Deciding to cancel your Cigna dental insurance policy can be a difficult choice. Dental insurance helps cover the costs of preventive care, treatments, and procedures that keep your smile healthy. However, there may be reasons you need to cancel your current plan.
Before canceling, consider why you want to end your policy. Are you unhappy with the coverage or cost? Do you now have dental insurance through another provider? Make sure you understand all cancellation policies, procedures, and penalties before moving forward.
The Basics of Cancelling Cigna Dental Insurance
Cigna offers both individual and group dental insurance plans. The process to cancel your policy will depend on what type of plan you have. However, some basic cancellation guidelines apply:
- You can cancel a Cigna dental insurance policy at any time for any reason. There are no cancellation fees.
- To officially cancel your policy, you must notify Cigna. Usually, a phone call is the quickest way.
- Your cancellation date will depend on when you notify Cigna and when your next premium payment is due.
- You may receive a partial refund of premiums paid if you cancel mid-policy.
- Any dental claims submitted or pending approval will be reverted to your responsibility after cancellation.
Carefully review your specific dental insurance plan’s cancellation polices. This will explain the cancellation process, effective dates, and if you qualify for a premium refund.
Cigna Healthcare dental insurance plans
| Plan | Deductible | Annual Benefit Max | Monthly Premiums* | Key Features |
|---|---|---|---|---|
| Low Deductible Plans | ||||
| Cigna Dental Preventive | $0 | $1,000 | Starts at $20 | – $0 deductible – Preventive care covered at 100% – Access to Cigna Advantage network |
| Cigna Dental 1000 | $50 | $1,000 | Starts at $22 | – $50 deductible – Up to $1,000 in benefits – Orthodontia coverage available – Access to Cigna Advantage network |
| Cigna Dental 1500 | $50 | $1,500 | Starts at $28 | – $50 deductible – Up to $1,500 in benefits – Orthodontia coverage available – Access to Cigna Advantage network |
| High Annual Max Plans | ||||
| Cigna Dental 5000/250 | $250 | $5,000 | Starts at $24 | – $250 deductible – Up to $5,000 in benefits – Access to Total Cigna DPPO network |
| Cigna Dental 3000/150 | $150 | $3,000 | Starts at $26 | – $150 deductible – Up to $3,000 in benefits – Access to Total Cigna DPPO network |
| Cigna Dental 3000/100 | $100 | $3,000 | Starts at $29 | – $100 deductible – Up to $3,000 in benefits – Access to Total Cigna DPPO network |
| Bundled Plans | ||||
| Cigna Dental Vision 1000 | $50 | $1,000 | Starts at $32 | – $50 deductible – $1,000 dental – $300 vision – Access to Cigna Advantage network |
| Cigna Dental Vision Hearing 2000 | $100 | $2,000 | Starts at $38 | – $100 deductible – $2,000 dental – $300 vision – $700 hearing – Access to Cigna Advantage network |
| Cigna Dental Vision Hearing 3500 | $50 | $3,500 | Starts at $46 | – $50 deductible – $3,500 dental $300 vision – $700 hearing – Dental implants covered – Access to Cigna Advantage network |
Step-by-Step Guide to Canceling Cigna Dental Insurance
Follow these steps to cancel your Cigna dental insurance policy:
Individual Plan Cancellation
- Call Cigna at 1-800-997-1654. Inform the representative you want to cancel your individual dental insurance plan.
- Provide your full name, birthdate, ID number, and the reason for cancellation.
- Confirm the cancellation effective date and if you will receive a prorated premium refund.
- Request written confirmation of your cancellation via email or mail.
Group Plan Cancellation
- Contact your employer’s benefits administrator. Ask them to terminate your Cigna group dental insurance from their policy.
- Call Cigna at 1-800-997-1654 only after your employer confirms your removal from the group plan.
- Provide your full name, birthdate, ID number, and confirmation your employer cancelled your coverage.
- Verify when your coverage will end and if you qualify for a premium refund from your employer.
- Request written cancellation confirmation from both Cigna and your employer.
Cancelling Automatic Payments
If you set up automatic payments to Cigna from your bank account or credit card, you’ll need to stop the automated billing once your policy cancels:
- Log in to your myCigna account. Go to Payment Methods and remove any stored payment info.
- Contact your bank or credit card company directly. Ask them to block future charges from Cigna.
- Review your statements carefully for 1-2 billing cycles. Dispute any erroneous Cigna charges right away.
What to Know Before You Cancel
Before you finalize cancellation of your Cigna dental insurance, consider these key points:
- You may lose access to negotiated Cigna dental provider rates if you cancel. This could increase your out-of-pocket costs for dental services.
- Routine preventive dental care is important for protecting your oral and overall health. Make sure you have a new dental benefits plan before canceling your current coverage.
- If you have orthodontic treatment or other procedures in progress, find out how cancellation will impact costs. You don’t want surprise bills down the road.
- Review when your policy renewal date is. You may want to keep coverage until right before renewal to maximize the use of premiums you already paid.
- Understand when your cancellation becomes effective. You don’t want a gap in coverage if you are switching dental insurance plans.
Ready to Cancel? Do it the Right Way
Canceling your Cigna dental insurance policy is usually straightforward. However, following the proper procedures is important to avoid issues. Take the time to review your plan details and have the cancellation discussion with Cigna. This ensures you discontinue your coverage correctly and avoid unnecessary hassles.
