Step-by-Step Guide to Cancelling Your Cigna Dental Insurance

Dental insurance can provide great savings on routine exams, cleanings, fillings, and other dental work. But there may come a time when you need to cancel your Cigna dental insurance policy. Reasons for cancellation include getting dental benefits through a new employer, switching to a spouse’s plan, moving out of area, being unable to afford premiums, or simply no longer needing the coverage.

Whatever the reason, cancelling your Cigna dental insurance is a straightforward process when you know the proper steps. This comprehensive guide will walk you through how to cancel your Cigna dental plan quickly and easily.

Overview of Cancelling Cigna Dental Insurance

Cigna offers several main types of dental plans:

• Dental insurance – Pays a portion of dental costs and provides access to network dentists. Considered true dental insurance.

• Dental savings plans – Gives you set discounts on dental services when visiting in-network dentists. You pay the pre-negotiated discounted price. Not actually insurance.

• Cigna Plus Savings – A dental discount program providing discounted rates on dental care. You pay the full discounted fee.

To officially cancel any type of Cigna dental coverage, you need to contact Cigna directly by phone or letter. There is currently no online cancellation option through your account portal.

When requesting cancellation, make sure you have the following information handy:

• Your full name as listed on the dental plan
• Cigna dental insurance or savings plan ID number
• Your date of birth
• Reason for wanting to cancel your coverage

Carefully follow all instructions provided to fully terminate your policy and stop any automatic premium payments if you pay by credit card or bank drafts

Step 1: Call Cigna To Cancel Your Dental Insurance Plan

If you need to cancel a Cigna dental insurance policy that pays claims and requires monthly premiums, take the following steps:

• Call 800-367-1037 to speak with a Cigna dental insurance representative. This number is specifically for cancelling dental insurance plans.

• Provide the representative your full name Cigna dental insurance ID number and date of birth when prompted.

• Explain that you are requesting to cancel your Cigna dental insurance policy and the reason why.

• The representative will then process and confirm your cancellation request. Make sure to get the exact policy termination date for your records.

• If you pay your monthly premiums through automatic credit card payments or bank drafts, be sure to also request cancelation of the automated payments to avoid being charged again.

• Make note of the cancellation confirmation number the representative gives you at the end of the call Retain this for your records

Step 2: Follow Up With a Written Cancellation Letter to Cigna

To ensure there are no issues or delays in fully terminating your Cigna dental insurance coverage, it’s wise to follow up your phone cancellation with a written cancellation letter sent to Cigna. Here’s how:

• Draft a letter stating your name, Cigna dental insurance ID number, requested cancellation date, and request to cease any automatic premium deductions.

• Address the letter to:

Cigna
Individual Market Medical Underwriting
PO Box 30362
Tampa, FL 33630

• Send the letter via certified mail with return receipt requested. This provides delivery confirmation. Keep a copy for your records.

The written notice gives Cigna official documentation of your cancellation request and desire to end premium payments in addition to your phone call. This ensures your policy terminates when expected.

Cancelling a Cigna Dental Savings or Discount Plan

If you need to cancel a Cigna dental savings plan, dental discount network plan, or Cigna Plus Savings discounted dental program, follow these instructions:

• Contact Cigna at 877-521-0244. This line is designated for savings and discount plan cancellations.

• Give your full name, Cigna savings plan ID number, and date of birth when prompted.

• Explain that you want to cancel your plan and the reason why.

• The representative will process the request and confirm your termination date.

• Ask to stop any automatic premium payments if applicable. Savings plans generally don’t have premiums but it’s good to double check.

• Note the cancellation confirmation number given at end of call for your records.

• Optionally, follow up by sending a cancellation letter to:

Cigna Dental
8100 SW 10th St, Ste 2000
Plantation, FL 33324

Include your plan details and cancellation date. Send via certified mail and keep a copy.

How Long Does It Take to Get a Refund of Premiums?

If you paid any dental insurance premiums to Cigna, the timing to get any unused portion refunded depends on how long you had coverage:

• Within 30 days – You receive a full refund of premiums paid minus any claims paid out.

• After 30 days – Refunds are generally not provided but you immediately stop future charges.

• Within 60 days of auto-renewal – Get a full refund of the auto-renewal premium amount.

Check your dental insurance policy documents to confirm the applicable refund policy timeframe when canceling. No premium refunds are given when canceling dental savings or discount plans since there are no set premium costs.

Reasons for Cancelling Your Cigna Dental Coverage

There are a variety of reasons you may need to cancel your Cigna dental insurance or dental savings plan. Some common ones include:

• You’ve changed jobs and now have dental benefits through your new employer.

• You’ve switched to your spouse’s dental insurance plan instead.

• The monthly premiums have become unaffordable for your budget.

• You are unsatisfied with the dentist options in your network.

• You are moving to a new location and need to find an in-network dentist there.

• You simply feel you no longer need the dental coverage currently.

Whatever the circumstance, Cigna aims to make it quick and hassle-free to terminate a dental plan that is no longer meeting your needs or budget.

Key Things to Know About Cancelling Cigna Dental

Here are some other important things to keep in mind when cancelling Cigna dental insurance or savings coverage:

• You may need to provide proof of new dental benefits if cancelling an active Cigna insurance plan.

• Cancellation stops your plan on the termination date provided. Any dental claims after that date will be denied.

• Cancelling resets deductibles, annual maximums, waiting periods and other limits if you enroll again later.

• Discounted in-progress dental work may end up costing more if you cancel before it’s done.

• Remember to also cancel any linked flexible spending account (FSA) if you have one.

• Shop new plans before cancelling to ensure no gap in coverage and benefits.

As long as you follow the proper steps for your plan type, cancelling your Cigna dental coverage is straightforward. Just contact Cigna by phone and writing to confirm termination of your policy and payment deductions. You can then explore new dental insurance or savings options that better fit your needs and budget.