Summary of Benefits and Coverage (SBCs)

Summary of Benefits and Coverage documents (SBCs) were developed in accordance with the Affordable Care Act to establish standards that group health plan sponsors and insurers must use when offering group or individual health insurance. The SBC’s purpose is to accurately describe the benefits and coverage under the group plan.

Employers are required to comply with this mandate by distributing SBC documents. Please review this FAQ for detailed information on SBC distribution requirements

File names that begin with "xCBI" indicate ConnectiCare-direct plans, which are underwritten by ConnectiCare Benefits, Inc. (CBI), and are not part of the CBIA Service Corporation policy. These plans may be purchased by Health Connections program participants with aggregated billing and administration.

To download SBCs for your company, please select your group effective/renewal date from the dropdown menu.

SBCs for Health Reimbursement Arrangements (HRA)

Summary of Benefits and Coverage documents (SBCs) are required for stand-alone HRAs that are not automatically integrated with health plans. Because HRAs are fully customizable by an employer, plan-specific SBCs for HRAs will be available following CBIA’s receipt of an employer-completed HRA Plan Setup form. In the interim, the “General SBC for Health Reimbursement Arrangements” is available here.