How to Cancel Your Cigna Dental Insurance Policy

Cigna offers both dental insurance plans and dental discount plans. If you need to cancel your Cigna dental insurance or dental savings plan, there are simple steps to follow. This comprehensive guide explains how to cancel a Cigna dental insurance or discount plan policy online, by phone, or by mail.

Overview of Cancelling Cigna Dental Coverage

Cigna offers the following main types of dental plans:

• Dental insurance – Pays a portion of dental costs and provides networks of dentists. Considered health insurance.

• Dental discount plans – Provides set discounts on dental services when you see a network dentist. You pay the discounted price. Not insurance.

• Cigna Plus Savings – A dental discount program offering access to discounted dental rates. You pay the full discounted fees.

To cancel any Cigna dental plan, you will need to contact Cigna directly by phone or mail. There is no online cancellation process currently available.

When cancelling, you will need:

• Your full name
• Cigna dental plan ID number
• Date of birth
• Reason for cancelling

Be sure to follow all instructions carefully to fully cancel your policy and stop premium deductions if paying by automatic payments.

How to Cancel a Cigna Dental Insurance Policy

To cancel a Cigna dental insurance plan that pays claims and has monthly premiums, follow these steps:

1. Call Cigna dental insurance at 800-367-1037 to speak with a representative.

2. Provide the representative your name, ID number, DOB, and reason for cancelling.

3. The representative will process the cancellation request. Confirm the termination date.

4. If you pay premiums via automatic payments, ask to stop payments.

5. Make note of the cancellation confirmation number provided.

6. Follow up with a written cancellation letter sent to:

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

Be sure to include your name, ID number, termination date, and request to cease premium payments. Send letter by certified mail and keep a copy.

How to Cancel a Cigna Dental Discount Plan

To cancel a Cigna dental savings plan, discount network plan, or Cigna Plus Savings plan, take the following steps:

1. Call 877-521-0244 to speak with a Cigna representative.

2. Give your full name, plan ID number, DOB, and reason for cancelling.

3. The agent will process the cancellation request. Confirm your termination date.

4. If you pay via automatic payments, request to end payments.

5. Make note of your cancellation confirmation number for your records.

6. Optionally, send a written cancellation letter to:

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

Include your name, ID number, termination date, and request to stop payments. Send via certified mail and keep a copy.

Timing to Receive a Refund of Premiums When Cancelling

The timing to receive a refund of any unused premiums depends on how long you had coverage:

• Within 30 days – Receive a full refund of all premiums paid minus any claims.

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

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

Review your policy details to confirm refund policy timeframes. No refund is issued for cancelling discount plans since there are no premiums.

Reasons to Cancel Your Cigna Dental Plan

Common reasons to cancel your Cigna dental insurance or savings plan include:

• You’ve switched jobs and have new dental benefits

• You’ve switched to your spouse’s dental plan

• You can no longer afford the premiums

• You are unsatisfied with the network dentists

• You are moving and need a dentist in a new area

• You no longer feel you need dental benefits

Regardless of reason, Cigna aims to make it quick and simple to cancel a policy that is no longer fitting your needs or budget.

What to Know About Cancelling Cigna Dental

Some other things to keep in mind when cancelling Cigna dental coverage:

• You may need to provide proof of new coverage if cancelling a Cigna insurance plan

• Cancelling ends your plan on your termination date – claims after that date will be denied

• Any annual maximums, deductibles, or waiting periods will reset if you enroll again later

• Discounted work in progress with network dentists may cost more if you cancel

• Be sure to cancel any linked flexible spending account (FSA) if you have one

Canceling your Cigna dental plan is quick and straightforward. Just call or write to Cigna and provide the details above. This will stop premiums and free you to choose a new dental plan.