US Medical Term · insurance
Summary of Benefits and Coverage
Resumen de Beneficios y Cobertura
In 9 languages
| Language | Term |
|---|---|
| English | Summary of Benefits and Coverage |
| Spanish (Español) | Resumen de Beneficios y Cobertura |
| Chinese (中文) | 福利和保障摘要 |
| Korean (한국어) | 혜택 및 보장 요약 |
| Vietnamese (Tiếng Việt) | Tóm tắt Quyền lợi và Phạm vi Bảo hiểm |
| Filipino (Tagalog) | Buod ng mga Benepisyo at Saklaw |
| Portuguese (Português) | Resumo de Benefícios e Cobertura |
| Thai (ภาษาไทย) | สรุปสิทธิประโยชน์และความคุ้มครอง |
| Japanese (日本語) | 給付・保障概要（SBC） |
What it means
The Summary of Benefits and Coverage (SBC) is a standardized, plain-language document the ACA requires all health insurers to provide when you apply for, enroll in, or renew a health plan. The SBC uses a uniform template enabling side-by-side plan comparison. It includes the plan's deductible, out-of-pocket maximum, covered services, cost-sharing amounts, and two coverage examples showing how the plan handles a typical pregnancy and a simple fracture. A uniform glossary of insurance terms accompanies the SBC. By law you must receive the SBC before enrolling, and insurers must provide it within seven business days of your request.
How to say it
Sentences a patient might use with a doctor, nurse, pharmacist, or insurer:
SUM-uh-ree uv BEN-ih-fits and KUV-er-ij
resumen de beneficios y cobertura
Abbreviated as SBC
Abreviado como SBC
You can ask: 'Can I get the SBC for this plan before I enroll?'
'¿Puedo obtener el SBC de este plan antes de inscribirme?'
Where you'll see it
Related terms
Sources
Last reviewed: September 2026