Call your HMO plan to confirm their disenrollment process before proceeding.
Disenrolling from a Health Maintenance Organization (HMO) health plan takes a few simple steps. Every HMO may have a different disenrollment process, so it is best to call prior to disenrolling to confirm their process. If you are enrolling in a new plan, you want to coordinate the termination of the HMO plan with the effective date of your new plan, as disenrollment dates may vary by plan. Lastly, if you are enrolled in an employer-sponsored plan, you can only disenroll during the open enrollment period, unless you have a qualifying event such as job loss.
Instructions
1. Call the number on the back of your health insurance ID card and tell the customer service representative you want to disenroll from the HMO plan. They will ask you why you want to disenroll and the date you want to stop coverage. You may have to wait until the last day of the month in which you want to disenroll depending on plan rules.
2. Complete any required disenrollment forms and mail or fax the forms to the address or number located on the forms. Obtain disenrollment forms from the HMO's website, from your employer or from the HMO upon request when you call.
3. Choose to disenroll in in an employer-sponsored plan during the open enrollment period. Your HR department will guide you through your employer's process. If you leave or lose your job, you will receive information from your employer as to your last day of HMO coverage. You will be automatically disenrolled from the HMO if you do not elect COBRA coverage.
4. Enroll in another Medicare Advantage HMO plan or call 1-800-MEDICARE if voluntarily disenrolling in a Medicare Advantage HMO plan. The Centers for Medicare and Medicaid Services (CMS) determines the open enrollment and disenrollment periods each calendar year. Disenrollment must occur at this time.
5. Miss several premium payments. Most HMO plans will disenroll members based on non-payment of premiums. This is not recommended if you plan to re-enroll in the same plan later because the plan may view this as breaking a contract if you had committed to the policy for a period of time.
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