First few Article Sentences
The Patient Protection and Affordable Care Act (“PPACA”) has created new obligations regarding the information a Plan must provide to its enrollees, timing of notices to Plan Participants of changes, and plan changes cannot be retroactive. One new obligation enacted as part of PPACA, is the Summary of Benefits and Coverage (“SBCs”) document that Plans must provide to help educate their participants on the benefits available to them. Plans are expected to provide a SBC(s) to all Plan Participants at specific times in the enrollment cycle and also annually with Plan renewal beginning with open enrollment periods that start on or after September 23, 2012.