Summary of Benefits and Coverage (SBC)
Summary of Benefits and Coverage (SBC)

The Departments of Health and Human Services, Labor and Treasury issued regulations requiring health plans to provide a Summary of Benefits and Coverage (SBC) and Uniform Glossary that clearly explain benefits and coverage within a standardized template with uniform language beginning 9/23/12. To develop these standards, the Patient Protection and Affordable Care Act (PPACA ) required the regulators named above to consult with the National Association of Insurance Commissioners (NAIC). The NAIC developed a template SBC, as well as a Uniform Glossary of commonly used health insurance terms, along with regulations detailing rules for when and how these documents must be provided to individuals and employer groups.

Learn more about Summary of Benefits and Coverage (PDF)

Follow this link to view the SBC Uniform Glossary (PDF)

Please check this page periodically as future enhancements are made that will allow you to obtain your SBC faster and easier.

How to obtain a Summary of Benefits and Coverage (SBC):

  • Employers: SBCs will be supplied to you with your rate quote. If you do not receive an SBC, please contact your Account Manager or Broker.
  • Brokers:
    • SBCs for community-rated, off exchange packages are available on Blue on Demand.
    • SBCs for experience-rated products are included in the rate quote package. If you do not recieve an SBC, contact your Account Manager.
  • Individuals: SBCs for promoted products (on and off exchange) are available on our Individual Plans page.