Termination Provisions

You can terminate your enrollment in this health plan by giving written notice to HNL that you wish to disenroll at least 30 days prior to the month in which you wish to end your enrollment.

HNL can terminate your coverage:

• If your premium is not paid by the end of the 31-day grace period, your coverage will be canceled at the end of the 31-day grace period.
• If you have performed an act or practice constituting fraud or made an intentional misrepresentation of material fact as prohibited by the terms of this policy, HNL may terminate your coverage upon 30 days notice, except that no such termination shall be allowed after the expiration of two years from your initial effective date of coverage under this Policy.

If your coverage is terminated by HNL and you have reason to believe that the termination was based upon your health status or requirements for health care services, you may request a review of the termination by the Commissioner of the California Department of Insurance. Information relative to this procedure is available by contacting the Member Services Department.

In the event of cancellation by either HNL (except in the case of fraud or deception in the use of services of this health plan or knowingly permitting such fraud or deception by another) or yourself, HNL shall, within 30 days, return to you the prorated portion of the money paid to HNL which corresponds to any unexpired period for which payment had been received. The amounts shall be adjusted to reflect amounts due on claims, if any.

Replacement of Coverage

If you intend to cancel or terminate existing Medicare Supplement or Medicare Advantage insurance and replace it with coverage issued by Health Net Life Insurance Company, please review the new coverage carefully and replace the existing coverage ONLY if the new coverage materially improves your position. Do not cancel your present coverage until you have received your new policy and are sure that you want to keep it.

If you decide to purchase the new coverage, you will have 30 days after you receive the policy to return it to Health Net Life Insurance Company, for any reason, and receive a refund of your money.

If you want to discuss buying Medicare Supplement coverage with a trained insurance counselor, call the California Department of Insurance’s toll-free telephone number at 1-800-927-HELP. You may also contact the Health Insurance Counseling and Advocacy Program (HICAP) at 1-800-434-0222 for guidance on Medicare Supplement or Medicare Advantage plans. HICAP is a service provided free of charge by the State of California.

Grace Period

A grace period of 31-days is allowed after each premium due date. When payment is not received within the first two weeks of the month for which it is due, a final bill showing the amount owed will be sent to you. If payment is not received within the last day of the 31-day grace period after the final bill is sent, your coverage will be terminated at the end of the 31-day grace period.

Health Net Life Medicare Inside Sales

Once you have had a chance to review the information presented here, please feel free to call Health Net Life Medicare Inside Sales at 1-800-944-7287. We’ll be glad to talk to you about this plan and all the benefits it offers you.