Summaries of Benefits and Coverage (SBCs)

In accordance with the federal Affordable Care Act of 2010 (also referred to as the ACA, or health care reform), all employers offering health insurance benefits to their employees must now provide employees with a Summary of Benefits and Coverage, or SBC. This SBC, which follows a standard format prescribed by the federal government, must be distributed to all benefits-eligible employees prior to the beginning of the plan’s open enrollment period each year.

On this page you will find SBCs for all six Trust plans, as well as copies of the Trust’s one-page Summary of Benefits for each plan.

Please encourage your employees to contact the Health Trust if they have any questions about their health insurance coverage.

It is very important that employers distribute these SBCs to benefits-eligible employees, as this is an employer responsibility under the ACA.  Each employee should receive an SBC for the plan in which he or she is currently enrolled.  In addition, if employees are able to choose from different plan options through the employer’s participation in the Health Trust’s Flexible Choice program, the employer should provide the employees with the SBCs for each plan in which the employee may enroll.

As new employees are hired, they should be provided with a copy of the SBC for each plan in which they have the option to enroll.  The SBCs on this page may be printed at any time.  You can also contact the Health Trust to request additional copies of SBCs.

If you have any questions, please contact the Health Trust Member Service Representatives at 1-800-852-8300.

2024 SBCs:

2023 SBCs:

Please note: The Department of Labor (DOL) has clarified that Employee Assistance Programs (EAPs) such as those offered by the Health Trust through Anthem will no longer require an SBC.  We have provided a link to the one-page EAP benefits summary, but you do not need to provide your employees with an SBC for this plan.