Cancelling Humana dental insurance involves a series of steps to ensure the process is handled correctly and smoothly. The first step is to review your policy to understand the terms and conditions, including any potential cancellation fees or specific requirements. This crucial information is typically found in your policy documents or on Humana’s official website. Understanding these details beforehand helps you prepare for any complications that might arise during the cancellation process.
Next, you should contact Humana’s customer service. This can be done by calling the number provided on your insurance card or found on Humana’s website. When you reach a customer service representative, explain that you wish to cancel your dental insurance policy. Be prepared to provide your policy number and personal identification information. It is important to clearly communicate your intention to cancel to ensure there are no misunderstandings.
In some cases, Humana might require a written request to process the cancellation. If this is the case, the customer service representative will provide the appropriate address or email for sending your request. When composing your written request, be sure to include your name, policy number, and a clear statement of your desire to cancel the policy. This ensures that your request is processed without delay due to missing information.
Once you have submitted your cancellation request, it is vital to confirm the effective date of the cancellation with the customer service representative. Knowing this date is essential to ensure you are aware of when your coverage will officially end and to avoid any unexpected charges. Additionally, it provides you with a clear timeline, which can be helpful if you need to secure alternative dental coverage.
Finally, it is wise to follow up after submitting your cancellation request. This can be done by checking your account online or contacting customer service again to ensure your cancellation has been processed. Make sure to receive written confirmation of the cancellation for your records. If you had automatic payments set up, verify that these payments have been stopped by checking your bank or credit card statements. By following these steps diligently, you can effectively manage the cancellation of your Humana dental insurance while ensuring that you remain covered if needed.
Methods to Cancel Your Humana Dental Insurance
Online Cancellation
The fastest and most convenient way to cancel your Humana Dental Insurance is through their online portal.
Step-by-Step Process:
- Log in to your account at MyHumana.com
- Navigate to the “Coverage & Benefits” section
- Select “Manage My Plan.”
- Click “Cancel Coverage” and complete the digital disenrollment form
- Submit electronically for immediate processing
Tip: For immediate confirmation, download and save your cancellation reference number. Processing typically completes within 24-48 hours.
Phone Cancellation
Call Humana Customer Service for direct assistance with cancellation.
Step-by-Step Process:
- Call 800-285-7197 (TTY: 711)
- Provide your policy number, birthdate, and reason for cancellation
- Request verbal confirmation of cancellation
- Ask for written confirmation via email or mail
Tip: Call during business hours (8 am-8 pm EST) for shorter wait times. Have your policy documents ready before calling.
Mail Cancellation
For those preferring paper documentation or needing legal proof of cancellation.
Step-by-Step Process:
- Download the cancellation form from Humana’s website
- Fill out with your full name, policy number, and cancellation effective date
- Sign and date the form
- Mail via certified mail to:
Humana Dental
Attn: Disenrollment
P.O. Box 14287
Lexington, KY 40512
Tip: Always use certified mail with return receipt requested. Processing takes 7-10 business days after delivery.
Important Cancellation Policies & Timelines
Cancellation Timing
Cancellations take effect the first day of the following month (e.g., cancel July 15 → August 1 termination). Cancellations before the policy’s effective date receive a full refund if made within 7 days of receiving the Enrollment Verification Letter.
Refund Eligibility
Refunds are only available for cancellations within 30 days of purchase or during the initial 7-day grace period. Loyalty Plus plans have a $35 non-refundable enrollment fee.
Plan-Specific Rules
DHMO plans require 30 days’ notice for disenrollment. Dual coverage members must cancel both plans to avoid penalties. State variations exist (e.g., Maryland and Pennsylvania require notarized forms).
Comparison of Cancellation Methods
| Method | Processing Time | Best For | Requirements |
|---|---|---|---|
| Online Portal | 24-48 hours | Immediate cancellation needs | My Humana account access |
| Phone | Immediate verbal confirmation | Those needing assistance | Policy number, personal details |
| Certified Mail | 7-10 business days | Legal paper trail requirements | Signature, tracking, KY address |
Post-Cancellation Steps
- Verify termination: Check for email or mailed notice confirming cancellation
- Monitor payments: Ensure premiums stop being withdrawn from your account
- Demand data deletion: Email privacy@humana.com to request personal data deletion per CCPA
- Explore alternatives: Consider other dental plans during Open Season (Nov 11-Dec 9, 2024)
- Retain documentation: Keep cancellation proof for 18 months
Critical Consideration: Complete any pending treatments before cancellation to avoid claim denials. For complex cases (mid-year retirement or TRICARE conflicts), contact Humana at 877-692-2468.
Frequently Asked Questions
Online cancellation process within 24-48 hours. Phone cancellations provide immediate verbal confirmation. Mail cancellations take 7-10 business days after delivery. Termination always takes effect on the first day of the following month.
Refunds are only available for cancellations within 30 days of purchase or during the initial 7-day grace period. Mid-year cancellations don’t qualify for refunds of premiums already paid.
Yes, you can cancel coverage for individual family members. You’ll need to specify which members you’re removing when you submit your cancellation request. The primary policyholder must remain on the entire policy.
Claims for services received before your cancellation date will still be processed. Any services after your cancellation date won’t be covered. Complete pending treatments before cancellation to avoid denial of claims.
Need Alternative Dental Coverage?
Explore other dental insurance options that might better suit your needs
Or speak with a dental insurance specialist at 1-800-555-1212