You have the right to get an easy-to-understand summary about a health plan’s benefits and coverage.
Insurance companies and group health plans must provide you with:
A short, plain-language Summary of Benefits and Coverage (SBC)
A Uniform Glossary of terms used in health coverage and medical care
This information allows you to make “apples-to-apples” comparisons when you’re looking at different plans.
All individual and group health plans must use the same standard form to help you compare plans. The SBC also includes details, called coverage examples, which allow you to see what the plan would cover in 2 common medical situations: diabetes care and childbirth.
You’ll find a link to each plan’s SBC in the Marketplace when you’re comparing plans.
You have the right to get this summary when shopping for or enrolling in coverage.
The SBC is available for every plan in the Marketplace. You’ll find a link to it on each plan page when you enroll through the website.
You can also ask for a copy from your insurance company or group health plan at any time. All health plans must provide the SBC to you at important points in the enrollment process, like when you apply for or renew your policy. You can also ask for a copy of the Uniform Glossary to help you understand words used in health coverage and medical care.
Yes. You can get a Summary of Benefits and Coverage for most health plans, including grandfathered plans, whether you get coverage through your employer or buy it yourself.
If you don’t speak English, you may be able to get the SBC and Uniform Glossary in your native language upon request. Learn more about resources for people who don’t speak English.