The Patient Protection and Affordable Care Act (PPACA) requires insurers to provide under-65 members and group members with a Summary of Benefits and Coverage, commonly known as an SBC. As an agent, you do not need to take any additional action regarding SBCs.
If you have a client shopping for insurance, you can find copies on HealthCare.gov or download one from Storefront. You can find them on Storefront under “Individuals & Families.”
We will provide an SBC to anyone who applies for individual coverage. Receiving an SBC does not mean we have accepted the applicant for coverage. It simply means we have received the application.
We are working on plans to provide SBCs to our existing members and will notify you prior to implementation. In the interim, a current member who would like a copy of his or her SBC can call Customer Service and request one. We will gladly mail or email a copy.
We will provide an SBC to anyone accepted for group coverage. We will include it with the group fulfillment packet.
Groups renewing in October and November will receive an SBC with their post-renewal packet. Groups renewing in December and beyond will receive an SBC in their pre-renewal packet.
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