SBCs, Insurance Cards, Oh My!

June 4, 2015

If you have insurance for the first time in a long time (or maybe for the first time in your life!), it can feel like there’s a lot of info to take in.

Let’s talk about 2 important documents:

  1. Your summary of benefits and coverage
  2. Your health insurance card

Every health insurance plan in the marketplace must have an easy-to-understand description of the plan’s benefits and what the plan covers. This document is called a summary of benefits and coverage, or SBC. It’s a document that is available from your insurer. Click here to view an example of an SBC.

The SBC will have information about the following:

  1. Out-of-pocket costs for your plan
  2. Services that are covered by your plan
  3. Services that are not covered by your plan

Your health insurance card should come in the mail after you enroll in a health insurance plan. Your insurance card will have information about your health insurance plan. It proves that you have health insurance.

Your health insurance card also gives your doctor’s or health care provider’s office information about your health insurance plan, like how much your co-pay is or where to call if they have questions about your coverage.

It’s a good idea to take your health insurance card to any doctor appointments and to the pharmacy when you get a prescription. Many people keep it in their wallet — just in case.

If you would like to request a copy of your summary of benefits and coverage or your health insurance card, you can call your insurance plan directly.

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