March 19, 2025
Small Group Medical Policy Termination Process
Applies to fully insured small groups
Under the Affordable Care Act, when employers cancel medical coverage, they must provide adequate notice to all covered employees that the group medical policy will terminate on a chosen date.
Termination requirement: Cancellations for small group medical coverage should be received at least 30 days prior to the desired effective date.
Once a request for termination is made for a specified date, any claims for services after the chosen date will be the responsibility of members or the new carrier.
How to terminate: To terminate an account, the producer must send the request in writing from the Group to the Small Group Account Management Team to perform any necessary cancellation tasks.
Should the cancellation request be submitted after the desired termination date, any outstanding claims utilization may impact the final cancellation date. Any credit balance on an account will not be refunded until the group account is cancelled.
Notice: If using AutoPay, it is the responsibility of the Delegated Admin to log in to Blue Access for EmployersSM to discontinue the AutoPay. This will need to be completed after the last required premium payment has posted to the account.
Membership note: Terminating the last active member of an account in BAESM does not terminate the account in its entirety and the points outlined above must be considered.
