If your Anthem health insurance policy is becoming a financial burden or you have found a more affordable option, you might be considering cancellation. Typically, cancellations are initiated by the insurance company due to reasons like non-payment or contract breaches.
However, if you wish to terminate your Anthem policy, you must disenroll, usually during an open enrollment period, a process initiated by the policyholder.
It is advantageous if your policy is nearing renewal and you plan to cancel at that point. Ensure that age isn’t a factor for higher premiums with the new vendor and compare it with the upcoming Anthem renewal. This scenario applies if you intend to cancel all health policies and take a break.
This guide will assist you in understanding how to cancel your Anthem health insurance policy. I have explained several methods outlined by Anthem to ensure you apply them correctly and avoid additional renewals and charges.
If you are dissatisfied with Anthem services or find the premiums high, I have also listed some alternatives below.
Can I Cancel Anthem Health Insurance Anytime?
- You can cancel your Anthem health insurance policy at any time, but it’s important to note a few key points regarding Anthem’s terms and policies:
- After cancellation, Anthem’s refund policy varies depending on your specific plan and region. To understand your situation, contact customer service or refer to your agreement’s terms and conditions.
- Anthem does not have a dedicated section for refunds of premiums already paid for ongoing coverage. If you’ve overpaid or are canceling mid-contract and qualify for a refund, Anthem will process it based on their cancellation policy and your policy type. Review the Anthem member handbook or your policy documents to better understand refund terms if you have overpaid or plan to cancel.
How To Cancel Anthem Health Insurance?
Canceling your Anthem insurance requires sensitive handling and the provision of critical information. There are several methods to cancel the policy efficiently, which are outlined below in simple steps.
How To Cancel Anthem Health Insurance Over Phone?
The simplest way is by calling and requesting cancellation, which allows direct communication but may involve waiting in a queue. Follow these steps:
- Call Anthem Customer Service
- Use the number 855-715-5316 to contact Anthem Health Insurance customer service, focusing on member services and cancellations.
- Ensure you call during regular business hours, which vary, so check Anthem’s website for region-specific assistance.
- Talk to a Representative
- An automated system will greet you; listen carefully and select the option to speak with a representative.
- Clearly state your desire to cancel your policy and discuss the process with the representative.
- Provide Policy Information
- Have ready your policy numbers, personal details like full name, date of birth, address, and Social Security Number for verification.
- The representative will verify your identity through security questions or additional policy-related information.
- Request Cancellation
- Clearly state your wish to cancel and inquire about specific terms, conditions, or fees related to the cancellation.
- Ask about potential refunds for unused premiums or final charges.
- Confirm Cancellation and Documentation
- Request confirmation of your cancellation request, including the effective date and any further steps required.
- Obtain written confirmation via email or postal mail, which should include the effective date, a confirmation number, and details on any refunds or adjustments.
How To Cancel Anthem Health Insurance Via Email?
To cancel via email, follow these detailed steps:
- Draft Your Cancellation Email
- Use a clear subject line like “Request for Policy Cancellation.”
- Email Body
- Begin with a polite salutation such as “Dear Anthem Customer Service Team,” and include all necessary policy identification details such as full name, policy number, date of birth, address, email, and optional phone number.
- Mention your reason for cancellation and request confirmation.
- Send the Email
- Direct your email to leaveservices@anthem.com and attach any necessary identification documents.
- Follow Up
- Ensure you receive written confirmation of your cancellation request, detailing final adjustments or refunds.
- Monitor Your Accounts
- Check bank statements or credit card transactions for any further payments post-cancellation.
- Document Everything
- Keep copies of all email correspondence, including the cancellation request and confirmation emails, for your records.
How To Cancel Anthem Health Insurance Via Mail?
Canceling by mail is another option; here are the steps:
- Mailing Address for Cancellation
- Send your letter to PO BOX 105429, Attn: Leave Services Service Center, Atlanta, GA 30348-5429.
- Your Cancellation Letter Formatting
- Include the date of writing at the top and address it to the specified PO Box.
- Letter Content
- Start with “Dear Anthem Customer Service,” and clearly state your intention to cancel your policy.
- Provide personal details like your full name, policy number, date of birth, address, email, and phone number.
- Request written confirmation of cancellation and include your contact information.
- Mail the Letter
- Use a reliable postal service, considering certified mail or return receipt for proof of delivery.
- Follow Up
- Allow a few weeks for a confirmation letter from Anthem. If there’s no response, contact their customer support.
Alternatives To Anthem Health Insurance
If dissatisfied with Anthem services, consider these alternatives for health coverage:
- Other Health Insurance Plans
- Explore Health Insurance Marketplace plans through Healthcare.gov or your state’s exchange during open enrollment or a Special Enrollment Period.
- Medicare
- For those 65 or older or qualified due to a disability, Medicare offers various parts for comprehensive coverage.
- Medicaid
- Medicaid provides coverage for low-income individuals and families, with eligibility and benefits varying by state.
- Short-Term Health Insurance
- Short-term plans offer temporary coverage with limited benefits, ideal for transitioning to a new plan.
Conclusion
Health insurance is essential today, as unexpected medical expenses can significantly impact your finances. A comprehensive health policy allows you to live worry-free, knowing your insurer will handle unforeseen medical bills.
If your current earnings are low, consider policies with lower premiums and fewer benefits, ensuring some support. As your financial situation improves, you can enhance your policy with add-ons.
Frequently Asked Questions
Is Anthem The Same As Blue Cross Blue Shield In Georgia?
Blue Cross Blue Shield Healthcare Plan of Georgia, Inc. has transitioned to Anthem Blue Cross and Blue Shield, maintaining quality services under a new name and logo.
What States Are Included In Anthem?
Anthem operates as the Blue Cross licensee in California and the Blue Cross and Blue Shield licensee in several states, including Colorado, Connecticut, Georgia, and others.
What Does Anthem Insurance Do?
Anthem Blue Cross PPO offers global coverage for hospitalization, surgical, medical, vision, and prescription drug expenses.
