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:

  1. Log in to your account at MyHumana.com
  2. Navigate to the “Coverage & Benefits” section
  3. Select “Manage My Plan.”
  4. Click “Cancel Coverage” and complete the digital disenrollment form
  5. 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:

  1. Call 800-285-7197 (TTY: 711)
  2. Provide your policy number, birthdate, and reason for cancellation
  3. Request verbal confirmation of cancellation
  4. 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:

  1. Download the cancellation form from Humana’s website
  2. Fill out with your full name, policy number, and cancellation effective date
  3. Sign and date the form
  4. 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

  1. Verify termination: Check for email or mailed notice confirming cancellation
  2. Monitor payments: Ensure premiums stop being withdrawn from your account
  3. Demand data deletion: Email privacy@humana.com to request personal data deletion per CCPA
  4. Explore alternatives: Consider other dental plans during Open Season (Nov 11-Dec 9, 2024)
  5. 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

How long does it take to process my cancellation?

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.

Will I get a refund if I cancel mid-year?

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.

Can I cancel one family member’s coverage?

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.

What happens to pending claims if I cancel?

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

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Or speak with a dental insurance specialist at 1-800-555-1212