Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: [See Instructions]
The Summary of Benefits and Coverage (SBC) document will help you choose a health plan. The SBC shows you how you and the plan would share the cost for covered health care services. NOTE: Information about the cost of this plan (called the premium) will be provided separately. This is only a summary. For more information about your coverage, or to get a copy of the complete terms of coverage, [insert contact information]. For definitions of common terms, such as allowed amount, balance billing, coinsurance, copayment, deductible, provider, or other underlined terms see the Glossary. You can view the Glossary at www.[insert].com or call 1-800-[insert] to request a copy. |
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Important Questions |
Answers |
Why This Matters |
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What is the overall deductible? |
$ |
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Are there services covered before you meet your deductible? |
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Are there other deductibles for specific services? |
$ |
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What is the out-of-pocket limit for this plan? |
$ |
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What is not included in the out-of-pocket limit? |
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Will you pay less if you use a network provider? |
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Do you need a referral to see a specialist? |
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PRA Disclosure Statement: According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless it displays a valid OMB control number. The valid OMB control number for this information collection is 0938-1146. The time required to complete this information collection is estimated to average 0.08 hours per response, including the time to review instructions, search existing data resources, gather the data needed, and complete and review the information collection. If you have comments concerning the accuracy of the time estimate(s) or suggestions for improving this form, please write to: CMS, 7500 Security Boulevard, Attn: PRA Reports Clearance Officer, Mail Stop C4-26-05, Baltimore, Maryland 21244-1850.
(DT
- OMB control number: 1545-0047/Expiration Date: 12/31/2019)(DOL -
OMB control number: 1210-0147/Expiration date: 5/31/2022)
(HHS
- OMB control number: 0938-1146/Expiration date: 10/31/2022)
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What You Will Pay |
Limitations, Exceptions, & Other Important Information |
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Common Medical Event |
Services You May Need |
Network Provider (You will pay the least) |
Out-of-Network Provider (You will pay the most) |
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If you visit a health care provider’s office or clinic |
Primary care visit to treat an injury or illness |
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Specialist visit |
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Preventive care/screening/ immunization |
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If you have a test |
Diagnostic test (x-ray, blood work) |
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Imaging (CT/PET scans, MRIs) |
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If you need drugs to treat your illness or condition More information about prescription drug coverage is available at www.[insert].com |
Generic drugs |
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Preferred brand drugs |
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Non-preferred brand drugs |
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If you have outpatient surgery |
Facility fee (e.g., ambulatory surgery center) |
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Physician/surgeon fees |
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If you need immediate medical attention |
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If you have a hospital stay |
Facility fee (e.g., hospital room) |
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Physician/surgeon fees |
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If you need mental health, behavioral health, or substance abuse services |
Outpatient services |
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Inpatient services |
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If you are pregnant |
Office visits |
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Common Medical Event |
Services You May Need |
What You Will Pay |
Limitations, Exceptions, & Other Important Information |
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Network Provider (You will pay the least) |
Out-of-Network Provider (You will pay the most) |
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If you are pregnant |
Childbirth/delivery professional services |
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Childbirth/delivery facility services |
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If you need help recovering or have other special needs |
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If your child needs dental or eye care |
Children’s eye exam |
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Children’s glasses |
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Children’s dental checkups |
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Excluded Services & Other Covered Services
Services Your Plan Generally Does NOT Cover (Check your policy or plan document for more information and a list of any other excluded services.) |
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Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.) |
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Your Rights to Continue Coverage: There are agencies that can help if you want to continue your coverage after it ends. The contact information for those agencies is: [insert State, HHS, DOL, and/or other applicable agency contact information]. Other coverage options may be available to you too, including buying individual insurance coverage through the Health Insurance Marketplace. For more information about the Marketplace, visit www.HealthCare.gov or call 1-800-318- 2596.
Your Grievance and Appeals Rights: There are agencies that can help if you have a complaint against your plan for a denial of a claim. This complaint is called a grievance or appeal. For more information about your rights, look at the explanation of benefits you will receive for that medical claim. Your plan documents also provide complete information on how to submit a claim, appeal, or a grievance for any reason to your plan. For more information about your rights, this notice, or assistance, contact: [insert applicable contact information from instructions].
Minimum Essential Coverage generally includes plans, health insurance available through the Marketplace or other individual market policies, Medicare, Medicaid, CHIP, TRICARE, and certain other coverage. If you are eligible for certain types of Minimum Essential Coverage, you may not be eligible for the premium tax credit.
If your plan doesn’t meet the Minimum Value Standards, you may be eligible for a premium tax credit to help you pay for a plan through the Marketplace.
[Spanish (Español): Para obtener asistencia en Español, llame al [insert telephone number].]
[Tagalog (Tagalog): Kung kailangan ninyo ang tulong sa Tagalog tumawag sa [insert telephone number].] [Chinese (中文): 如果需要中文的帮助,请拨打这个号码[insert telephone number].]
To
see examples of how this plan might cover costs for a sample medical
situation, see the next section.
Peg is Having a Baby
(9 months of in-network pre-natal care and a hospital delivery)
Managing Joe’s Type 2 Diabetes (a year of routine in-network care of a well- controlled condition)
Mia’s Simple Fracture
(in-network emergency room visit and follow up care)
About these Coverage Examples
The plan's overall deductible $
Specialist [cost sharing] $
Hospital (facility) [cost sharing] %
Other [cost sharing] %
This EXAMPLE event includes services like: Specialist office visits (prenatal care) Childbirth/Delivery Professional Services Childbirth/Delivery Facility Services
Diagnostic tests (ultrasounds and blood work) Specialist visit (anesthesia)
The plan's overall deductible $
Specialist [cost sharing] $
Hospital (facility) [cost sharing] %
Other [cost sharing] %
This EXAMPLE event includes services like: Primary care physician office visits (including disease education)
Diagnostic tests (blood work) Prescription drugs
Durable medical equipment (glucose meter)
The plan's overall deductible $
Specialist [cost sharing] $
Hospital (facility) [cost sharing] %
Other [cost sharing] %
This EXAMPLE event includes services like: Emergency room care (including medical supplies)
Diagnostic test (x-ray)
Durable medical equipment (crutches) Rehabilitation services (physical therapy)
In this example, Joe would pay:
In this example, Mia would pay:
Deductibles $
Copayments $
Coinsurance $
Deductibles $
Copayments $
Coinsurance $
Deductibles $
Copayments $
Coinsurance $
Limits or exclusions $
Limits or exclusions $
Limits or exclusions $
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File Type | application/vnd.openxmlformats-officedocument.wordprocessingml.document |
Author | Luk, Shannon |
File Modified | 0000-00-00 |
File Created | 2021-01-15 |