Covered California Certified Enroller Practice Exam

What does a Summary of Benefits and Coverage provide?

1. Detailed information about available doctors

2. A description of coverage and associated costs

3. An estimate of future healthcare costs

4. Information on insurance company history

The correct answer is: A description of coverage and associated costs

A Summary of Benefits and Coverage (SBC) is an essential document that offers a concise and clear description of a health plan's benefits and coverage options. It specifically details what services are covered, the limits of those services, and any associated costs such as premiums, deductibles, and copayments. This summary is designed to help consumers understand their health care choices, allowing them to compare different insurance plans effectively. It is structured to be straightforward, making it easier for individuals to grasp the important information they need when selecting a health plan. In the context of the other options, while detailed information about available doctors, estimates of future healthcare costs, and the history of an insurance company may all be considerations for consumers, they are not the primary focus of the SBC. The SBC's main purpose is to provide a summary of what the health plan covers and the costs associated with accessing that coverage, making option B the most accurate representation of what the document provides.