To cancel a First Enroll insurance policy, call the company’s customer service line at (732) 876-9733 and ask the billing department to terminate your coverage.1FirstEnroll. Support First Enroll is a third-party administrator that handles billing for supplemental health and life policies sold through independent agencies, so cancellation runs through its office, though some billing problems may also need to be resolved with the agency that originally sold you the plan.
Gather Your Account Information First
Pull your insurance ID card or the enrollment confirmation email before you dial. The representative will use these details to find your account and verify your identity:
- First Enroll Member ID
- Full legal name as it appears on the account
- Mailing address registered with First Enroll
- Date of birth
Check your most recent billing statement for the date of your next scheduled draft. If you cancel a day or two before that draft, you avoid paying for another month of coverage you won’t use.
The 30-Day Refund Window
If you signed up recently, you may be entitled to a full refund. First Enroll allows cancellation within 30 days of purchase with a complete refund of all premiums paid, provided you have not used any benefits or filed a claim.1FirstEnroll. Support This parallels the “free look” period required under state insurance law, which generally runs 10 to 30 days depending on your state.2Georgia Access Help. What Is a 10-Day Free Look Period? If you are still inside that window, call right away and specifically request the refund.
Making the Cancellation Call
First Enroll directs all cancellation requests to (732) 876-9733.1FirstEnroll. Support The online member portal lets you view payment history and update contact information, but it does not offer self-service cancellation. Expect an automated menu before you reach a billing representative.
Once connected, the representative will verify your identity and may ask why you are canceling. You don’t owe a detailed explanation. A simple statement that you want to end coverage is enough. Before you hang up, get three things:
- A cancellation confirmation number
- The exact date your coverage will terminate
- The name of the representative you spoke with
Write down the date and time of the call alongside those details.
Follow Up in Writing
The phone call does the work, but a written follow-up creates a paper trail that helps if anything goes wrong later. Mail a letter to:
FirstEnroll
101 Crawford Corner Road, Suite 4233
Holmdel, NJ 077333Better Business Bureau. FirstEnroll Business Profile
Include your Member ID, full name, date of birth, a clear statement that you are canceling, and the date you want coverage to end. Sign and date it. Send it USPS Certified Mail with Return Receipt Requested. The green card you get back proves First Enroll received your notice on a specific date.
If Your Policy Was Set Up Through a Workplace Cafeteria Plan
If your premiums come out of your paycheck pre-tax through a Section 125 cafeteria plan at work, you generally cannot cancel mid-year just because you changed your mind. Federal rules restrict mid-year election changes to specific qualifying events such as marriage, divorce, the birth or adoption of a child, a change in your or your spouse’s employment, loss of other coverage, or enrollment in Medicare or Medicaid, and the change you make must correspond to the event.4eCFR. 26 CFR 1.125-4 – Permitted Election Changes If none of those apply, you will likely need to wait for your employer’s next open enrollment. Ask your HR department which rules apply to your plan and what documentation they need.
Watch for Charges After Cancellation
Review your bank or credit card statements for at least two full billing cycles after you cancel. Administrative delays sometimes let one more draft go through even after a policy ends. Keep the confirmation number somewhere you can find it; it’s your best evidence that cancellation was completed on a specific date.
If you see a charge after your cancellation date, call First Enroll at (732) 876-9733 with the confirmation number and ask for an immediate reversal. First Enroll has noted in responses to consumer complaints that post-cancellation billing issues sometimes need to be worked out with the sales agency that originally sold the plan, so you may need to contact that agency too.3Better Business Bureau. FirstEnroll Business Profile
If that doesn’t resolve it, go to your bank. Federal law lets you stop a preauthorized electronic fund transfer by notifying your financial institution at least three business days before the next scheduled draft, by phone or in writing.5Office of the Law Revision Counsel. 15 USC 1693e – Preauthorized Transfers The bank may ask you to confirm in writing within 14 days. For charges on a credit card, contact your card issuer to dispute the charge; federal law generally gives you 60 days from the statement date to file.
Filing a Complaint With Your State Insurance Department
If First Enroll keeps billing you after cancellation, or if you believe you were enrolled without your consent, your state department of insurance can investigate. Every state has a consumer complaint process covering insurance companies, agents, and third-party administrators.6NAIC. How to File a Complaint and Research Complaints Against Insurance Carriers The NAIC’s consumer page links to each state’s department and complaint form.
You will typically need your name and address, the name of the insurance company and agent, your Member ID or policy number, and a written description of the problem. Attach your cancellation confirmation, billing statements showing charges after the termination date, and a log of your phone calls.
If you were enrolled in a Health Insurance Marketplace plan without your authorization, you can also contact the federal Marketplace Call Center at 1-800-318-2596 for help resolving coverage issues tied to unauthorized agent or broker activity.7Centers for Medicare & Medicaid Services. CMS Statement on Agent and Broker Marketplace Activity, Update