How To Cancel Anthem Health Insurance

Is your health insurance policy being an extra burden on your expenses or you have found some other vendor with relatively lower premiums, and are now looking for ways to cancel your Anthem health insurance policy? Cancellation is usually initiated by the insurance company, because of some reasons such as non-payment or contract breach and if you are looking forward to saying goodbye to Anthem then you will have to disenroll, which must be initiated by the policyholder, mostly during an open enrollment period.

It’s good if your policy is approaching the renewal and you have decided to cancel exactly at this point in time. One thing I would suggest to you is to make sure that your age isn’t a cause for the high premiums with the new vendor and you must compare that with the renewal of Anthem approaching. But that’s an all different scenario where you have decided to totally cancel all your health policies and take a break.

This guide will help you with the possible ways to understand canceling your Anthem health insurance policy. I have explained a few possible methods which are outlined by Anthem itself, make sure you understand and apply rightly to avoid further renewal and charges. Going forward, if you are unhappy with Anthem services or if the premiums are high, I have a few alternatives mentioned for you below.

Can I Cancel Anthem Health Insurance Anytime?

Yes, you can cancel your Anthem health insurance policy anytime, but before you proceed towards cancellations, there are a few important pointers that I have mentioned below, for you to know and understand the important terms and policies from Anthem;

• After you cancel your Anthem health insurance policy, remember that their health Insurance’s refund policy varies and depends upon your specific plan and region. I would suggest you understand your particular scenario by directly contacting customer service or referring to the terms and conditions outlined by Anthem in your agreement.
• Anthem health insurance companies don’t have a particular section for the refunds of premiums that are already paid for ongoing coverage. 
• If you have overpaid for your health insurance premiums or in case you are canceling your policy mid-contract and are eligible for a refund, Anthem will then initiate and provide a refund for the amount which is extra you have paid. However, the exact refund amount totally depends on Anthem’s cancellation policy and your specific type of policy. It’s best advised to carefully review the Anthem member handbook or your policy documents to understand the refund terms in a better way if you have overpaid or plan cancellation.

Also, read How To Cancel A Meeting In Google Calendar | Follow These Simple Steps

How To Cancel Anthem Health Insurance?

It’s something sensitive and would require some critical information for you to provide while you are requesting cancellation. There are a few different methods by which you can cancel your Anthem insurance policy easily and quickly. I have mentioned the methods separately in simple steps, let’s start one by one.

How To Cancel Anthem Health Insurance By Calling?

The first and simplest method is to call them and request cancellation. It provides an opportunity for direct communication, however, it could require you to wait in the queue for a long. Below are the steps explained to be followed;

Call Anthem Customer Service

• Dial the Phone Number
  • Use the number 855-715-5316 to reach Anthem Health Insurance customer service. This number is specifically for member services and cancellations.
• Timing
  • Make sure you are calling during regular business hours. Customer service hours in insurance cases vary, so it would be helpful to check Anthem’s website for your region-specific assistance and information.

Talk to a Representative

• Initial Automated Menu
  • You would be welcomed by an automated phone system when you first call. Carefully listen to the menu options and select the one that suits your case for speaking with a representative.

• Speak Clearly
  • Once you get connected to a live representative, mention clearly that you want to cancel Anthem health insurance policy and discuss the cancellation process and prerequisites.

Provide Policy Information

• Keep Details Ready
  • Before you call, gather all the necessary information to expedite the process:
    • Policy Numbers: Have your Anthem policy numbers readily available. This will help the representative to locate your account quickly.
    • Personal Information: Provide personal details like your full name, date of birth, and address, along with your Social Security Number for verification purposes.

• Verification Process
  • The representative would ask you to verify your identity by answering security questions or providing some additional information related to your policy.

Request Cancellation

• Mention Your Concern Clearly
  • After the representative has verified your identity, state that you need to cancel your Anthem Health Insurance policy and ask if there are any terms in specific, or conditions, or fees associated with canceling your policy. You must also ask about any potential refunds for the unused portion or premiums or final charges that might apply.

Confirm Cancellation and Documentation

• Request Confirmation
  • After your request is submitted, ask for confirmation, which includes the effective date of the cancellation and any further steps you might have to take.

• Obtain Written Confirmation
  • Ask for a written confirmation of the cancellation, either via email or postal mail. As the confirmation will only serve as proof that your policy has been canceled. It should include details such as:
  • Effective Date: The date on which your policy will be officially terminated.
  • Confirmation Number: A reference number for your cancellation request.
  • Any Refunds: Information about any refunds you may be entitled to or final adjustments to your account.
  • Remember that these details will be required when you approach your next insurer.

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How To Cancel Anthem Health Insurance Via Email?

If you need to cancel your Anthem Health Insurance policy via email, below are the detailed steps that will ensure that your request is processed effectively;

Draft Your Cancellation Email

Subject Line

• Use a clear and concise subject line
  • “Request for Policy Cancellation”

Email Body

• Start with a polite salutation, such as:
  • “Dear Anthem Customer Service Team,”
• Include all crucial details to identify your policy. These must be contained in the body of the email:
  • Full Name: Your name that appears on the policy.
  • Policy Number: The number associated with your health insurance policy.
  • Date of Birth: Your date of birth for verification purposes.
  • Address: Your current address.
  • Email Address: The email address registered with your Anthem account.
  • Phone Number: (Optional) Your contact number for follow-up.

• Mention Reason for Cancellation
  • Providing a reason is helpful in speeding up the process. 

• Request confirmation of the cancellation.

Send the Email

• To: Send your email to the address leaveservices@anthem.com.
• Attachment: Attach any documents(policy copy, i.d) or identification that you believe are needed for verification.

Follow Up

• Check for Confirmation: Make sure that you have received written confirmation for your policy cancellation request. Along with some information on final adjustments on any refunds or for final payments.

Monitor Your Accounts

• Bank Statements: After you have canceled, make sure to monitor your bank statements or credit card transactions to check if any further payments are processed.

Document Everything

• Save the copies of all email correspondence which includes the cancellation request and any confirmation emails, for your records.

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How To Cancel Anthem Health Insurance Via Mail?

If you need to cancel your Anthem Health Insurance policy by mail, you can also do that, below are the simple steps to follow;

Mailing Address for Cancellation

• PO BOX 105429
• Attn: Leave Services Service Center
• Atlanta, GA 30348-5429

Your Cancellation Letter Formatting

• Date: Include the date you’re writing the letter at the top.
• Recipient’s Address: Address it to the following:
  • PO BOX 105429
  • Attn: Leave Services Service Center
  • Atlanta, GA 30348-5429

Letter Content

• Salutation
  • “Dear Anthem Customer Service,”

• Introduction
  • Clearly state that you want to cancel your policy.

• Provide Personal Details
  • Include all necessary details to identify your policy
    • Full Name appearing on the policy.
    • Policy Number
    • Date of Birth: Your date of birth for verification.
    • Address: Your current residential address.
    • Email Address: The email address linked to your Anthem account.
    • Phone Number

• Reason for Cancellation

• Request Confirmation
  • Ask for written confirmation of the cancellation:
    • Please confirm receipt of this letter and provide a written confirmation of the cancellation. Lastly, mention your full name and contact information.

Mail the Letter to the address outlined above

• Mail the letter via a reliable postal service and consider a certified mail or to request a return receipt for proof of delivery.

Follow Up

• It’s an offline process, allow a few weeks and Anthem should send you a confirmation letter.
• If there is no reply, try reaching out to Anthem customer support on the details outlined above. 

Also, read How To Cancel Con Edison Service | Follow These Simple Steps

Alternatives To Anthem Health Insurance

If you have been unhappy with Anthem health insurance services and are now considering switching to another insurer, below are some alternative options to make sure you have adequate health coverage

Other Health Insurance Plans

• Marketplace Plans:
  • Health Insurance Marketplace: You can purchase health insurance plans via the Health Insurance Marketplace (Healthcare.gov) or your state’s exchange. During the open enrollment or a Special Enrollment Period, you can also compare plans, premiums, and coverage options.

• Medicare:
  • Medicare: If you’re 65 or older, or qualify due to a disability, Medicare is then a suitable alternative. Medicare has different parts for hospital insurance (Part A), medical insurance (Part B), and prescription drug coverage (Part D).

• Medicaid:
  • Medicaid: For individuals and families who have low incomes, Medicaid offers health coverage. Eligibility and benefits, however, vary by state, so check with your state’s Medicaid program to see if you qualify.

• Short-Term Health Insurance:
  • Short-Term Plans: These are the temporary plans that offer coverage for some limited period (usually up to 12 months). They are mostly useful if you need coverage while transitioning to another new plan but may have limited benefits.

Conclusion

Health insurance is a must in the times we are living in. An expected medical bill could impact your savings for years and push you back to a couple of years, which is quite unfortunate, but if you have a comprehensive health insurance policy, you can live carefree and let the insurer take care of the unexpected medical bills.

If you are not earning that high at the moment, you can try for policies with low premiums which offer comparatively fewer benefits, but you would still have something that would support you and later when there is a hike in salary you can do add-ons and enhance the policy features and so on.

Frequently Asked Questions