SBC Disclosure

Summary of Benefits and Coverage and Uniform Glossary (CMS-10407)

SBC_Template_Standard_Format_Updated

SBC Disclosure

OMB: 0938-1146

Document [docx]
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OMB control number: 0938-1146

Expiration Date: XX/20XX


Summary of Benefits and Coverage: What this Plan Covers & What You Pay for Covered Services Coverage Period: [See Instructions]

: Coverage for: |Plan Type:

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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.


Important Questions

Answers

Why This Matters



What is the overall deductible?

$




Are there services covered before you meet your deductible?





Are there other deductibles for specific services?


$




What is the out-of-pocket limit for this plan?

$




What is not included in the out-of-pocket limit?





Will you pay less if you use a network provider?





Do you need a referral to see a specialist?





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 XXX 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.



OMB Control Numbers 1545-2229, 1210-0147, and 0938-1146


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What You Will Pay

Limitations, Exceptions, & Other Important Information

Common Medical Event

Services You May Need

Network Provider (You will pay the least)

Out-of-Network Provider (You will pay the most)


If you visit a health care provider’s office or clinic

Primary care visit to treat an injury or illness




Specialist visit




Preventive care/screening/ immunization





If you have a test

Diagnostic test (x-ray, blood work)




Imaging (CT/PET scans, MRIs)




If you need drugs to treat your illness or condition

More information about prescription drug coverage is available at www.[insert].com

Generic drugs




Preferred brand drugs




Non-preferred brand drugs





Specialty drugs




If you have outpatient surgery

Facility fee (e.g., ambulatory surgery center)




Physician/surgeon fees





If you need immediate medical attention

Emergency room care




Emergency medical transportation




Urgent care




If you have a hospital stay

Facility fee (e.g., hospital room)




Physician/surgeon fees




If you need mental health, behavioral health, or substance abuse services

Outpatient services





Inpatient services




If you are pregnant

Office visits





Common Medical Event


Services You May Need

What You Will Pay

Limitations, Exceptions, & Other Important Information

Network Provider (You will pay the least)

Out-of-Network Provider (You will pay the most)


Childbirth/delivery professional services




If you are pregnant

Childbirth/delivery facility services




If you need help recovering or have other special needs

Home health care




Rehabilitation services




Habilitation services




Skilled nursing center




Durable medical equipment




Hospice services




If your child needs dental or eye care

Children’s eye exam




Children’s glasses




Children’s dental checkups





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.)





Other Covered Services (Limitations may apply to these services. This isn’t a complete list. Please see your plan document.)




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].

Does this plan provide Minimum Essential Coverage? [Yes/No]

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.

Does this plan meet the Minimum Value Standards? [Yes/No/Not Applicable]

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.


Language Access Services:

[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.


[Navajo (Dine): Dinek'ehgo shika at'ohwol ninisingo, kwiijigo holne' [insert telephone number].]

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)


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About these Coverage Examples



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)

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)

This EXAMPLE event includes services like: Emergency room care (including medical supplies)

Diagnostic test (x-ray)

Durable medical equipment (crutches) Rehabilitation services (physical therapy)


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In this example, Peg would pay:

In this example, Joe would pay:

In this example, Mia would pay:

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Deductibles $

Copayments $

Coinsurance $

Deductibles $

Copayments $

Coinsurance $

Deductibles $

Copayments $

Coinsurance $

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Limits or exclusions $

Limits or exclusions $

Limits or exclusions $

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[The plan would be responsible for the other costs of these EXAMPLE covered services.]

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