Summary of Benefits and Coverage
As a sponsor of group health plans to its employees, Case Western Reserve University is now required to provide you with an easy-to-understand summary about a health plans benefits and coverage. This summary is designed to help you better understand and evaluate your health insurance choices.
Summary of Benefits and Coverage (SBC) and Uniform Glossary
|Health Insurance Option||SBC|
|Anthem Blue Access PPO Plan 1 (Non-exempt or base salary under $50,000 annually)|
|Anthem Blue Access PPO Plan 2 (base salary $50,000 or more annually)|
|Anthem High Deductible Health Plan|
|HealthSpan HMO (formerly Kaiser Permanente HMO) (1/1/16-8/31/16)
MMO Supermed Plus HMO (9/1/16-12/31/16)
MMO CLE-Care HMO
|MMO Supermed Plus PPO Plan 1 (non-exempt or base salary under $50,000 annually)|
|MMO Supermed Plus PPO Plan 2 (base salary $50,000 or more annually)|
|SBC Uniform Glossary|
The new forms include a short, plain language Summary of Benefits and Coverage, or SBC, and a uniform glossary of terms commonly used in health insurance coverage, such as "deductible" and "co-payment." All insurance companies and group health plans must use the same standard SBC form to help you compare health plans. The SBC form also includes details, called coverage examples, which are comparison tools that allow you to see what the plan would generally cover in two common medical situations. You have the right to receive the SBC when shopping for or enrolling in coverage or if you request a copy from your issuer or group health plan. You may also request a copy of the glossary of terms from your health insurance company or group health plan.
A paper copy of the SBC is also available, free of charge, by calling the HR Service Center at 216.368.6964.
What This Means for You
Its not easy for consumers to know what they are buying when shopping for health insurance. The SBCs standardized and easy to understand information about health plan benefits and coverage allows you to more easily make apples to apples comparisons among your insurance options.
For more information about this new requirement of the Patient Protection and Affordable Care Act, please visit healthcare.gov.
Questions may be directed to the HR Service Center at AskHR@case.edu or 216.368.6964.