How to Cancel or Reset a Health Insurance Plan After Submitting It to the Carrier
When you've submitted a health insurance plan through Take Command to the carrier, you might wonder what options are available if you need to cancel or make changes to the plan. Here, we provide a comprehensive guide on what actions can and cannot be taken post-submission.
Why Take Command Cannot Cancel or Reset Submitted Plans
Once a health insurance application is submitted to the carrier via Take Command, the carrier takes over the management of the plan. Take Command cannot cancel the plan on your behalf because it is merely a facilitator and not the policyholder. Only the employee (you) as the policyholder can initiate cancellation with the carrier. This is a universal policy among carriers to maintain procedural control over submitted applications.
Implications of Canceling Submitted Plans
Canceling a plan already submitted to the carrier can have various implications:
Any prepayment arrangements, like Carrier Premium Payment (CCP), may be affected.
Starting a new shopping session will not be possible until the submitted plan is first canceled through the carrier.
The ability to change plans could be limited by your state's open enrollment rules or qualifying life events.
How to Cancel a Plan Before Its Effective Date
If your plan's effective date has not passed, follow these steps to cancel:
Contact the Carrier Directly: Locate the carrier’s customer service number in your enrollment confirmation or on its website.
Request Cancellation: Ensure you speak with someone authorized and clearly request a cancellation of your insurance plan. If you're enrolled through a state or federal exchange, you can also contact the exchange for assistance.
Document Confirmation: Obtain written or verbal confirmation that the cancellation is processed.
Resetting Enrollment to Shop for a New Plan
To select a new health plan after canceling the existing one:
Contact the carrier and cancel the existing plan.
Obtain confirmation of cancellation and refund details.
Submit a request to Take Command to reset your shopping session.
Discrepancies in Plan Status (Ambetter Example)
For Ambetter or similar carriers, discrepancies between the Take Command portal and carrier records may occur:
The Take Command portal reflects member-provided information, not real-time updates from the carrier.
For status verification or reinstatement, work directly with the carrier. Many carriers allow reinstatement within 60 days but may restrict it to once annually.