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UnitedHealthcare Get Benefit Collateral Service Overview (BS/SBC/SOB/SOC)

1. Purpose​

The Get Benefit Collateral service provides access to important plan documents for UnitedHealthcare, Oxford, and Level Funded health plans. These documents include summaries and overviews that help users understand the details of medical, dental, vision, and basic life insurance products. Documents are delivered in PDF format and are available in real time.

2. Who can use this service​

  • This service is designed for approved UnitedHealthcare partners, including affiliates and organizations involved in quoting and enrollment.
  • It’s intended for business teams and technical implementers who integrate their systems with UnitedHealthcare’s quoting tools.
  • It is not available for general public use and requires coordination through official partner channels.

3. What information is available​

The service provides access to the following types of documents for eligible plans:

  • Benefit Summaries (BS): High-level overviews of plan features and coverage.
  • Summary of Coverage (SOC): Details about what is covered under a plan.
  • Schedule of Benefits (SOB): Lists of specific benefits and coverage limits.
  • Summary of Benefits & Coverage (SBC): Standardized summaries designed to help compare plans.

Documents are available for:

  • Medical, dental, vision, and basic life insurance products.
  • UnitedHealthcare, Oxford (CT, NJ, NY), and Level Funded plans.
  • Various enrollment types (e.g., individual, family).

4. Benefits of this service​

  • Immediate Access: Documents are delivered in real time, ensuring users have the most current information.
  • Comprehensive Coverage: Supports a wide range of products and plan types.
  • Convenient Format: All documents are provided as PDFs for easy viewing and sharing.
  • Supports Decision-Making: Enables partners and customers to make informed choices about health coverage.

5. Example uses​

  • A broker helping a small business select a health plan can quickly download and share benefit summaries for comparison.
  • An aggregator can provide clients with up-to-date SBC documents to support compliance and transparency.
  • Partners can access dental and vision benefit summaries to assist customers in understanding their coverage options.

6. Important notes​

  • Dynamic Content: Plan availability may change over time. Regular updates and communication with your carrier partner are recommended.
  • Access requires a formal partnership with UnitedHealthcare and is not self-service.
  • Support: Relationship managers and onboarding coordinators are available to assist with setup and integration.
  • Part of a Suite: This service complements other quoting tools (e.g., plan benefits by state, rates by group) but can be used independently.
  • This summary excludes technical details such as authentication, data formats, error codes, and endpoint URLs.
  • This overview is intended for marketing, onboarding, and public-facing materials and reflects the service’s high-level purpose and value.