Summaries of Benefits and Coverage

Health insurance companies and group health plans are required under the Affordable Care Act (ACA) to provide you with an easy-to-understand summary to empower consumers to make informed decisions when choosing a health plan. All insurance companies and group health plans must use the same standard form to help you compare health plans.

The SBCs include a concise, standardized overview of benefits, coverage, limitations and cost- sharing provisions.  For example, the SBCs include a uniform glossary of terms commonly used in health insurance coverage, such as "deductible" and "copayment." The SBCs also include details, called “coverage examples,” which are comparison tools that allow you to see what the plan would generally cover in two common medical situations.

Below are the  SBCs for the Northrop Grumman Health Plan (NGHP).

2025:

The NGHP is legally required to provide the SBCs listed above. You may still use the online health plan comparison tools available on NetBenefits to compare your plan options and costs.  Quantum Health Care Coordinators are available to help with questions by calling 800-894-4194, option 1.

For more details about these plans, please visit the Library page to view the Summary Plan Descriptions (SPDs).