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Most plans will offer the insurer a "free look" or review period which varies from 10 to 30 days. During this time, if you decide you do not want the policy, return it by certified mail within the required period of time and request a full refund of the premium paid. Most employer group plans do not have a "free look" period, but be sure to inquire if the clause is part of the contract you are considering, before signing.