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Summary of benefits and coverage

The basics about your health coverage

 

Under the Affordable Care Act (ACA), you must receive a summary of benefits and coverage (SBC) document. It explains your benefits. It also has examples of how much you might pay out of pocket for certain health services. All SBCs must follow a standard format. This makes it easier to compare health plans and costs.

 
  • There are two ways to find your plan’s SBC:

     

    1. You'll find a link to the SBC on each plan page when you preview plans and prices. You'll also see the link when you've finished your application and are comparing plans.
    2. You can ask for a copy from your insurance company or employer at any time. You'll be provided the SBC at important points in the enrollment process, such as when you apply for coverage or when you renew coverage. You also can get a copy of the uniform glossary to explain terms used in the SBC.
  • The SBC includes the name of your health plan. This information is helpful when checking:

     

    • Which doctors, hospitals and other providers are in our network
    • Which prescription drugs the plan covers

    If you're already a member, you can find health care provider and drug information on your member website.

     

    Log in to find providers and drug information

     

    If you’re not a member yet, you can find health care providers in our directory. Choose the plan name that matches the one in your SBC.

     

    Use our guest search to find a provider

     

    You also can look up drug coverage without logging in. You'll need to know your pharmacy plan name. You can find the pharmacy plan name in your SBC.

     

    Use our guest search to find your plan’s drug list

  • The SBC is only a summary. You can link from the SBC to your plan documents which contain the complete details about the health plan.

     

    You can review your plan documents to learn:

     

    • What services will and will not be covered
    • Conditions you must meet to receive benefits
    • When and in what form benefits are paid
    • When you need approval before getting a service
    • How to file a claim for benefits

    If you’re a plan member, you can log in to your member website to find your plan documents.

  • If you already have an Aetna® health plan, call the Member Services number on your ID card. Or call us at one of these numbers.

     

    Small group plans

     

    Aetna®:

    Aetna Funding Advantage℠ small group:

    1-888-982-3862 ${tty}

     

    Allina Health:

    1-855-337-7170 ${tty}

     

    Banner Health:

    1-877-312-3862 ${tty}

     

    Innovation Health®:

    1-855-330-4545 ${tty}

 

Important information for employers

 

We'll give employers the information they need. But the law says employers have to give the SBCs to their employees. There are specific rules about what employers have to provide and when.

 

SBC standards for employers

 

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