Summary of Benefits & Uniform Glossary

Beginning on March 23, 2012, all health insurance issuers and group health plans will provide the Summary of Benefits and Coverage and the uniform glossary to consumers.

Summary provided when:

This SBC will include a new, standardized health plan comparison tool for consumers known as “Coverage Examples,”  including three common benefits scenarios:

An issuer or health plan will automatically provide a SBC to a consumer prior to enrolling in coverage and 30 days prior to reissuance or renewal of their health coverage so they are informed about the coverage they have.

People enrolled in a health plan must be notified of any significant changes to the terms of coverage reflected in the Summary of Benefits and Coverage at least 60 days prior to the effective date of the change.

The SBC may be disclosed to consumers in either paper or electronic form if certain consumer safeguards are met. Therefore, it may be possible for a plan or issuer to post the SBC on its website or on, or provide it by email.

By William F. Schaake, CIC, CRM  © 2012