Summary of Benefits and Coverage
福利和保障摘要
Under the Affordable Care Act, health insurers and self-funded employers must provide a uniform Summary of Benefits and Coverage (SBC) to people who apply for and enroll in health policies.
根据《平价医疗法案》（ACA），健康保险公司和自筹资金的雇主必须向申请和注册健康保险的人提供统一的福利和保障摘要（SBC）
Insurance companies and group health coverage must provide you with:
保险公司和团体健康覆盖必须提供：
- A short, plain-language Summary of Benefits and Coverage (SBC)
- 简短、易懂的福利和保障摘要（SBC）
- A Uniform Glossary of terms used in health coverage and medical care
- 使用的健康覆盖和医疗护理术语的统一词汇表
This information allows you to make “apples-to-apples” comparisons when you’re looking at different coverage.
这些信息让您在查看不同的保险覆盖时可以进行“苹果对苹果”的比较
All individual and group health policies must use the same standard form to help you compare policies. The SBC also includes details, called coverage examples, which allow you to see what the policy would cover in two common medical situations: diabetes care and childbirth
所有个人和团体健康保险政策都必须使用相同的标准表格，帮助您比较政策。SBC还包括称为覆盖示例的详细信息，让您了解该政策在两种常见医疗情况下的覆盖情况：糖尿病护理和分娩。
The SBC is available for every policy in the Health Insurance Marketplace. You’ll find a link to it on each policy page when you enroll through the website.
每个健康保险市场的政策都提供SBC。您在通过网站注册时，会在每个政策页面找到链接。
You can also ask for a copy from your insurance company or group health administrator at any time. All health policies must provide the SBC to you at important points in the enrollment process, like when you apply for or renew your policy. You can also ask for a copy of the Uniform Glossary to help you understand words used in health coverage and medical care.
您也可以随时向保险公司或团体健康管理员请求副本。所有健康政策必须在重要的注册过程中提供SBC，例如申请或续保时。您也可以请求统一词汇表的副本，以帮助理解健康覆盖和医疗护理中使用的术语。