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Perhaps you’ve heard of the word “Summary of Benefits and Coverage,” or “SBC.” When it comes to choosing health plans and learning about costs, it’s a topic that gets a lot of attention. Because it’s essentially a document that spells out what’s covered — and what isn’t — under a health plan.
For each of their various plans, all health plan companies are required to provide an SBC. When deciding whether to buy a plan or use your benefits, an SBC can be a helpful tool in comparing costs and understanding coverage options.
The SBC was designed to make comparing and shopping for health insurance plans easier. What’s more, every health plan is required to use the same outline to display the costs and coverage for each of the plans it offers.
It’s easier to make apples-to-apples comparisons when choosing which plan is best for you because everything is in the same format. The SBC allows you to compare costs, benefits, and other health plan choices and features that are relevant to you.
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UnitedHealthcare of Arizona, Inc. in Arizona, Optimum Choice, Inc. in Virginia and Maryland, UnitedHealthcare of Wisconsin, Inc. in North Carolina and Oklahoma, UnitedHealthcare of Oregon, Inc. in Washington, Rocky Mountain Health Maintenance Organization, Inc. in Colorado, and UnitedHealthcare Insurance Co. in Tennessee all offer Affordable Care Act medical plan coverage. United HealthCare Services, Inc. or its affiliates offer administrative services.
TriTerm Medical Insurance is a short-term health insurance plan that covers preventive care, doctor visits, Rx coverage, and more for nearly three years. TriTerm is available in a limited number of states.
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No, even if you change employers or your employer’s group numbers change, your registration remains the same. You will not need to re-register or create a new username or password with your new group number. You can choose which account you want to see when you log in with your HealthSafe ID®: the old group number account or the new group number account.
Choose “Yes” for an ID card when registering, but use your Social Security number for your Member ID and your employer’s FSA or HRA Group/Policy number for your Member ID. If you need assistance, please contact us at the number listed above.
While you wait for your ID card to come in the mail, you can start looking into what your plan has to offer. Here’s a checklist to use as a guide while you’re waiting for your ID card to arrive and coverage to begin.
You’ll need an electronic referral from your primary care provider (PCP) before obtaining services from another network provider if your ID card says “Referrals Required.” When a PCP authorizes a covered person to see a specialist for diagnosis or treatment of a medical condition, this is known as a referral. Most of the time, this means contacting your primary care physician before seeing a specialist.
Due to a change in the tax law, most fully insured UnitedHealthcare members will not receive a paper copy of Form 1095-B. Form 1095-B, on the other hand, will continue to be available on member websites or upon request.
UnitedHealthcare Insurance Company offers the UnitedHealthcare Critical Illness product on forms UHICI-POL-1 et al., in Texas on UHICI-POL-1, and in Virginia on UHICI-POL-1-VA. Critical illness insurance is not considered “minimum basic coverage” under the Affordable Care Act, and thus does not meet the requirement to have health insurance. A tax penalty may be imposed if you do not have other health insurance coverage. Please seek the advice of a tax professional. Exclusions, prohibitions, benefit reductions, and terms under which the policy may be continued in force or discontinued are all included in the policies. Call or write your insurance agent or the firm for expenses and full details of the coverage. Some items aren’t available in every state. Hartford, Connecticut is home to UnitedHealthcare Insurance Company.