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A plan or insurer may provide a SBC in paper form or electronically, if the requirements of the Department of Labor's electronic disclosure safe harbor are met. If SBCs are to be mailed and the employee and any eligible dependents are known to reside at the same address, a single SBC may be provided to that address. If renewal is automatic, the SBC must be provided no later than 30 days prior to the first day of coverage in the new plan year. 2  Group health plans that offer more than one benefit option can provide just the SBC for the benefit option the participant is already enrolled in with the open enrollment materials.
Cigna Health and Life Insurance Company. and Cigna HealthCare of Arizona, Inc. Summaries of Benefits and Coverage. Choosing your health insurance is an important decision. To help you make an informed choice, a Summary of Benefits and Coverage (SBC) document is available for each of our Medical insurance plans. This document summarizes important information about each plan in a standard format, to help you compare this plan to other available plans.