Summaries of Benefits and Coverage
Health insurance issuers and group health plans are required by federal law to provide you with an easy-to-understand summary about a health plan’s benefits and coverage. All insurance companies and group health plans must use the same standard form to help you compare health plans.
These forms include a short, plain-language Summary of Benefits and Coverage (SBC) and a uniform glossary of terms commonly used in health insurance coverage, such as "deductible" and "copayment." The SBC form also includes details, called “coverage examples,” which are comparison tools that allow you to see what the plan would generally cover in two common medical situations.
View the SBC for the Northrop Grumman Medical Plan medical options for the 2024 and 2025 plan year:
2024:
- Plan 1 - High Premium/Low Deductible Plan
- Plan 2 - Medium Premium/Medium Deductible Plan
- Plan 3 - Low Premium/High Deductible Plan
- Plan 4 - Medium Premium/Medium Deductible Utah Extended Network Plan
- Kaiser (Northern) California HMO
- Kaiser (Northern) California HDHP
- Kaiser (Northern) California Deductible Plan
- Kaiser (Southern) California HMO
- Kaiser (Southern) California HDHP
- Kaiser (Southern) California Deductible Plan
- Kaiser of Colorado HMO
- Kaiser of Hawaii HMO
- Kaiser Mid-Atlantic HMO
- Kaiser Mid-Atlantic HDHP
- HMSA
- Premium Health Plan - Sunnyvale Represented
- Premium Plan - Baltimore Represented
- Premium Plus Plan - Baltimore Represented
- Value Health Plan - Sunnyvale Represented
- Value Health Plan - Baltimore Represented
2025:
- Plan 1 - High Premium/Low Deductible Plan
- Plan 2 - Medium Premium/Medium Deductible Plan
- Plan 3 - Low Premium/High Deductible Plan
- Plan 4 - Medium Premium/Medium Deductible Utah Extended Network Plan
- Kaiser (Northern) California HMO
- Kaiser (Northern) California HDHP
- Kaiser (Northern) California Deductible Plan
- Kaiser (Southern) California HMO
- Kaiser (Southern) California HDHP
- Kaiser (Southern) California Deductible Plan
- Kaiser Mid-Atlantic HDHP
- Kaiser Mid-Atlantic HMO
- Kaiser of Colorado HMO
- Kaiser of Hawaii HMO
- Premium Health Plan - Sunnyvale Represented
- Premium Plan - Baltimore Represented
- Premium Plus Plan - Baltimore Represented
- Value Health Plan - Baltimore Represented
- Value Health Plan - Sunnyvale Represented
The Northrop Grumman Medical Plan 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.
Visit the Library page to view your Summary Plan Descriptions (SPDs).