Cancellations must be received at least 5 business days prior to the next premium draft date to avoid premiums being withdrawn for the following month. There are no retroactive cancellations or refunds.
Policy coverage will automatically renew unless a policyholder elects to cancel coverage. A policyholder may request to cancel coverage effective at the end of their coverage period by submitting written notice to SNI Customer Service at least 5 business days prior to their next premium draft date. This will result in no refund being issued to the policyholder. It is important to note there are no retroactive cancellations. Any medical expenses incurred after the date of cancellation, or between the time of policy cancellation and any policy reinstatement, will not be covered by SNI.
If an SNI policyholder cancels coverage and elects to reinstate coverage at a future date, all waiting periods and guidelines will reset as of the new effective date of coverage. Reinstated coverage benefit accumulations will follow the Plan Year prior to the initial cancellation. Any medical expenses incurred between the time of cancellation and the reinstatement of the policy will not be covered by SNI.
New SNI policyholders receive a 30-day Right to Examine Period beginning on their active date. This provides all policyholders the opportunity to fully read and understand the plan documents, as well as the plan in which they have selected to enroll. Should a policyholder wish to cancel their policy during the Right to Examine Period and prior to accessing any health care services, they are required to contact SNI Customer Service directly in writing. Upon receipt of the requested cancellation, a full refund of the first monthly premium and any enrollment fees will be processed. However, there will not be any retroactive refunds permitted should a member exceed the Right to Examine Period. Additionally, this cancellation will result in a flat cancellation as no coverage was ever enforced resulting in the member being fully responsible for all health care charges
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Our mission is to preserve and empower our people by meeting their needs while reducing costs and simplifying health care.
Headquarters
Shivwits Band of Paiutes Reservation
6060 W 3650 N
Suite 900
Ivins, UT 84738-6618
Please mail claims to:
SNI Claims Dept
PO Box 1810
Draper, UT 84020
As sovereign Tribal Nations within the United States, the wholly Tribal owned Sovereign Nations Health Consortium and its wholly owned health insurance company Sovereign Nations Insurance, along with the wholly owned inter-Tribal membership organization, all operate in accordance with federal law and Tribal law. The headquarters and operations of SNHC, SNI, and NARA are on Tribal Reservation land, held in trust by the United States of America for the Tribes, where general state regulatory laws do not apply and are preempted by Tribal laws and Congress’ plenary authority over Indian affairs in addition to U.S. Constitutional bars to state authority over interstate and inter-Tribal commerce. Tribal law governs the operation of SNHC, SNI, and NARA and your consensual contractual relationship with these entities. As wholly owned Tribal entities, SNHC, SNI, and NARA are absolutely immune from suit or claim of any kind, except as prescribed by Plan documents.
