What is a Summary of Benefits and Coverage (SBC)?

A Summary of Benefits and Coverage (SBC) is a document that summarizes a health insurance plan’s coverage and benefits. This document is used by consumers in Washington and across the United States to better understand their coverage and benefits and to compare different health plans. The SBC is designed to be a uniform document for all health plans in Washington and the entire country. It includes information such as the type of coverage offered, the cost-sharing requirements, and the maximum out-of pocket costs for both in-network and out-of-network coverage. It also details the services that are covered and excluded under the plan. The Washington Department of Insurance encourages individuals to read their SBC carefully to become familiar with their coverage and benefit limits. Additionally, the Washington Health Care Authority encourages consumers to use the SBC to compare different health plans, to make sure the plan meets their needs and covers the services they may need. Finally, the Washington Insurance Commissioner encourages consumers to read their SBC carefully and to contact their insurance provider with any questions or concerns. This document is an important tool for individuals in Washington to become informed about their health insurance plan and to make an informed decision.

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What is a Summary of Benefits and Coverage (SBC)?

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