"Loss-of-Coverage" or "Disenrollment" letter.  (Whether or not receiving benefits subsidized by HPInc or HPE.)

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Based on reports from HP Alumni Association members who have completed enrollment. Join forums: https://www.hpalumni.org  Not officially endorsed or supported. Question? Email us: info@hpalumni.org  (Updated Nov 23, 2025)

Find your "Loss-of-Coverage" or "Disenrollment" letter online before US Mail.

To avoid medical underwriting, you generally need a loss-of-coverage letter from the HPInc's (or HPE's) group insurer to enroll in a new open-market individual plan -- whether buying from a national sales agency -- such as AlightRHS -- or directly from an insurer or health system -- such as Kaiser and Harvard Pilgrim -- or from a local independent agent (who may be more familiar with what works best in your area and be more skillful in constructing plan applications that get approved.)  

The group plan insurer -- UnitedHealthcare for many HPInc and HPE people -- will send the loss-of-coverage letters via postal mail.

Note: If you chose to receive email instead of postal mail from your insurer, members report that you may get your loss-of-coverage letter buried in an email that looks like a normal monthly benefits notice.

Members report that if your existing group policy is at UHC -- and you are purchasing an individual open-market policy from UHC -- you do not need to forward the letter from UHC about your disenrollment from the UHC group plan. Apparently UHC's system is smart enough to deal with that.

UnitedHealthcare. If you have an HPInc group plan from UHC

Log in to https://retiree.uhc.com/hp

Click "Coverage & benefits"

Then "Plan documents & resources"

Scroll down to "My documents"

Click "Search Documents"

Look in "Coverage Letters"

The wording of the loss-of-coverage letter from UnitedHealthcare is rather abrupt, but is carefully worded in Medicare language: "We’re writing to let you know that HP chose to end your medical and prescription drug coverage because you no longer meet the eligibility requirements."

Note that the loss-of-coverage letter from UHC -- notifying you that you will no longer have an HPInc or HPE group plan -- invites you to buy a UHC Advantage plan -- but makes no mention of UHC's Medigap plans. Insurance companies want to sell the more profitable Advantage plans instead of Medigap plans .

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