How to Cancel Multiplan Insurance: Avoid Common Mistakes

MultiPlan is a common name in the U.S. health insurance landscape, but it’s also a source of confusion. Many individuals unknowingly get connected to MultiPlan through employer-sponsored insurance, third-party administrators (TPAs), or discount health networks. If you’ve found yourself asking, “How to cancel MultiPlan insurance?” — you’re not alone.

This comprehensive 2025 guide will walk you through exactly what MultiPlan is, how to determine if you’re enrolled, how to opt out or cancel, and what to expect post-cancellation. Whether you’re a policyholder, an employee under group coverage, or just trying to find better options, this article is tailored to provide clarity, direction, and assurance.

What is MultiPlan Insurance?

MultiPlan, Inc. is not a traditional insurance company. Instead, it acts as a preferred provider organization (PPO) network and cost management service that connects insurance companies with medical providers to negotiate discounted rates. If you’re using a health insurance card and see the MultiPlan logo, your insurer is utilizing their network to help control costs.

Key Functions of MultiPlan:

• Negotiates discounted rates between providers and insurers

• Works with TPAs, self-funded plans, and employer-sponsored plans

• Facilitates PPO network access, not coverage directly

Common Plans Associated with MultiPlan:

• PHCS Network (Private Healthcare Systems)

• Beech Street

• HealthEOS

• ValuePoint

So, when people refer to “MultiPlan insurance,” they’re typically enrolled in a plan administered by another company that uses MultiPlan’s network or cost containment services.

Why People Consider Cancelling MultiPlan Insurance

While MultiPlan can help reduce out-of-pocket costs by offering PPO access, many users find themselves enrolled without full understanding or consent, especially under employer plans. Common reasons to cancel include:

• Surprise medical bills

• Difficulty verifying in-network providers

• Limited provider availability

• Billing confusion or coordination issues

• Enrollment without clarity

In short, many consumers find that MultiPlan’s role complicates rather than simplifies their healthcare access and finances.

Common Complaints About MultiPlan

Let’s dive into what frustrates members the most:

1. Hidden Enrollment – Many employees don’t realize they’re part of a MultiPlan PPO until after a claim is processed.

2. Lack of Transparency – It’s hard to figure out which providers are in-network.

3. Customer Service Gaps – Because MultiPlan isn’t the actual insurer, you’re often redirected.

4. Balance Billing Issues – Some providers reject discounted rates negotiated by MultiPlan, leaving patients responsible.

These are just a few of the issues driving users to research how to cancel MultiPlan insurance for more straightforward coverage.

Understanding If MultiPlan is Legit or a Middleman

Yes, MultiPlan is a legitimate company, but its role can feel elusive. They’re not your insurance provider, so you can’t file claims or manage your account directly through them. They are a middleman providing a network of discounted providers to insurers and TPAs.

It’s important to clarify this so you don’t mistakenly cancel your actual health insurance policy by only disengaging with MultiPlan.

MultiPlan vs Traditional Health Insurance

Steps to Take Before Cancelling MultiPlan Insurance

Before jumping to cancel, make sure you’re informed and strategic. Here’s what you should do:

Review Your Plan Documents

Check your benefits handbook, digital policy, or welcome packet. Look for:

• Who the primary insurer is

• If MultiPlan is just a network

• Cancellation or opt-out clauses

Contact Your Benefits Administrator or HR

If enrolled through work, HR will have the answers. Ask:

• “Am I enrolled in MultiPlan through a TPA?”

• “Can I switch to another option?”

• “When is the next open enrollment?”

Speak With MultiPlan Customer Service

You can also contact MultiPlan directly at 1-800-950-7040 for network questions. But remember, they don’t manage your actual coverage.

How to Cancel MultiPlan Insurance: Step-by-Step Process

Step 1: Call MultiPlan Directly

Start by calling MultiPlan to clarify your enrollment and their role in your plan. If you don’t see another insurance company on your card, MultiPlan may be working through a third-party plan administrator.

Step 2: Submit a Written Cancellation Request

Once you’ve identified the administrator (like your employer’s TPA), request the cancellation policy. You’ll usually need to:

• Write a cancellation letter

• Include your full name, ID number, and request date

• Ask for confirmation in writing

Step 3: Confirm Cancellation and Retain Proof

Always confirm your cancellation has been processed. Get a written confirmation or email from your employer or plan administrator.

How to Opt Out of MultiPlan Through Your Employer

If MultiPlan is tied to your employer plan:

1. Wait for Open Enrollment: Most plans allow changes once a year.

2. Submit Waiver of Coverage: You may be able to reject coverage if you have another plan (like a spouse’s).

3. Elect a Different Option: Some employers offer multiple plans—choose one not associated with MultiPlan.

Alternatives After Cancelling MultiPlan

Once you’ve canceled, you’ll want to find reliable health coverage. Here are options:

• Marketplace Insurance (ACA Plans): Visit Healthcare.gov

• COBRA Continuation Coverage: If you cancel employer coverage

• Medicaid: Based on income

• Private Health Insurance: Directly through an insurer

• Short-Term Health Plans: For temporary gaps

Make sure the new plan meets your needs and includes preferred providers.

Can You Cancel MultiPlan Insurance Anytime?

It depends on how you’re enrolled.

• Employer Plans: Only during open enrollment or qualifying life events (e.g., marriage, birth, job loss)

• Private Plans via TPA: May allow cancellation with written notice

• Self-Purchased Plans: Often offer monthly cancellations

Always check the specific terms of your plan.

Legal Rights and Consumer Protections

When it comes to canceling MultiPlan, know your rights:

• HIPAA Protections: Your health information must remain private

• ACA Requirements: Marketplace plans must provide clear cancellation policies

• ERISA Compliance: Employer-based plans must offer clear documentation on opt-out procedures

If you feel misled or trapped, contact your state’s Department of Insurance or the U.S. Department of Labor.

FAQs

How do I opt out of MultiPlan?

You must contact your employer or plan administrator during open enrollment or due to a qualifying life event. If privately enrolled, reach out to the plan provider or TPA directly.

How do I cancel my insurance coverage?

Submit a written cancellation request to your plan administrator. Make sure to keep a confirmation for your records.

Is MultiPlan health insurance legit?

Yes, but it’s not an insurance company. MultiPlan provides network access and cost management, not direct coverage.

Can I cancel my company health insurance at any time?

Not usually. You must wait for open enrollment or have a qualifying event to cancel employer-provided insurance.

What if I’m stuck with MultiPlan coverage?

You can escalate concerns to your HR department or the Department of Insurance. Explore other plans during open enrollment.

Does MultiPlan work with Medicare or Medicaid?

Not directly. MultiPlan typically contracts with private insurers and TPAs, not government programs.

Final Thoughts

Navigating the ins and outs of MultiPlan can be frustrating, especially if you never intended to be part of their network in the first place. Whether you’re looking to opt out, switch plans, or cancel MultiPlan insurance altogether, the key is understanding what role they play in your coverage and following the correct cancellation path.

Stay proactive, document every step, and don’t hesitate to seek alternative coverage that better fits your healthcare and financial needs. In 2025, healthcare consumers have more transparency and options than ever—use that to your advantage.

Why wait? Get expert help and your free quote now at NewHealthInsurance.com or 📞 (833) 877-9927.