Summary of Benefits and Coverage
What is it?Under the health care reform law, the Patient Protection and Affordable Care Act of 2010 (PPACA), all issuers of health insurance are required to provide consumers with clear, consistent and comparable information about their health plan benefits and coverage — a Summary of Benefits and Coverage (SBC).
What does an SBC look like?The SBC is like a nutritional label for a health insurance plan. The eight-page form displays information about a health plan in a simple question-and-answer format. It answers questions like:
- What is the overall deductible?
- Is there an out-of-pocket limit on my expenses?
- Does this plan use a network of providers?
- Are there services this plan does not cover?
If you need clarification on what certain terms mean, there is a uniform glossary of terms commonly used in health insurance coverage.
How can I get an SBC?Select the box with your effective date range, then select your state, and plan information.
NOTE: At this time, SBC’s are only available for our currently marketed plans. If your health insurance plan (plan name, coinsurance level, deductible) doesn’t appear in the drop-down menu below, your plan’s SBC is not available at this time.
* For some states, SBCs are available for earlier effective dates.
- 3/23/2010 and later for CT, DE, GA, KS, KY, LA, NV, NC, SD & WY.
- 3/25/2010 and later for CO.