Summary of Benefits and Coverage

Beginning in 2012, all benefit plan administrators are now required by the federal government to provide you with an annual Summary of Benefits and Coverage (SBC). This new requirement is a direct result of the Patient Protection and Affordable Care Act (commonly referred to as Health Care Reform or simply the Affordable Care Act).  This is being done to make it easier for you to compare different benefit plans.

The SBC provides you with a quick snapshot of what your plan covers and what it costs. This includes important answers regarding your deductibles, out-of-pocket limits, common medical events, and the types of services covered or excluded from the plan. The SBC also includes your rights to continue coverage, grievance and appeals rights, and coverage examples.

Please keep in mind the SBC is an summary illustration of your benefits plan. The Benefits Plan Booklet is the official governing document for your benefits plan. Review the Benefits Plan Booklet for specific details about your benefits plan.

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