Well, let's see: SCA was originally used to broadcast Muzak programming in the particular markets they had a presence in, either relayed via telephone trunk to the host FM radio station (often an easy-listening station... imagine that) or played back from large reels of 1/2" tape on site at the station. This was how they did it largely in the era before satellite transmission took over (and for quite a number of years afterward, as a legacy service) but Muzak SCAs are, to my knowledge, extinct today. For the most part what you'lll hear these days are radio reading services for blind people and ethnic programming. Occasionally you may also encounter data broadcasts and backup STLs for local mediumwave stations.
Until about the late 1980s SCA broadcasts were considered a "subscription only" medium, meaning one (usually) had to give an organisation money to hear their broadcasts. SCA was largely deregulated by the FCC (even though the information on their web page doesn't seem to reflect it) and transmissions like radio reading services can usually be listened to freely.
SCA audio quality generally has a dynamic range of around 4 kHz; about on par with a typical mediumwave station. Broadcasts are transmitted, in North America, on narrowband subcarriers 66.5 (usually rounded to 67) and 92 kHz above the mono baseband. SCA frequencies are determined based on harmonics of the FM stereo pilot (19 kHz). Audio is modulated, at best, around 10% power of the main channel, thus it is far less tolerant of multipath and distortion than the main FM broadcast. Spillover from the main channel can sometimes be heard faintly in the background of SCA broadcasts, depending how wide the radio's frontend is.
It is sometimes possible to hear SCA audio by setting a police scanner in narrowband FM mode to the SCA frequency (e.g. 88.367 in Portland gets you Radio Svoboda via KBVM) but the best way is by using an SCA receiver or an FM broadcast receiver fitted with an SCA demodulator (see links below.) Most conventional police scanners lack the filtering needed to receive SCA audio, and it almost always gets obliterated by the main carrier. It is, however, also possible to fit them with SCA demodulators. Tine to dust off that old PRO-2006 you've had setting in the corner for the last 20 years and put it back to work!
Are you familiar with a publication called "FM Atlas"? The publisher/author (Dr. Bruce Elving) died a couple years ago, but he was a wealth of information about SCA and sold modded FM radios and kits to convert them to FM/SCA receivers. His book, the "FM Atlas", was published every three (?) years and included lists of SCA transmissions in major cities.
For the most part, analogue SCA isn't as popular today as it was 15-20 years ago. The fairly recent Ibiquity "HD Radio" system may ultimately be its successor. Still, if you live around a major urban area (I believe you once said you live in/near Chicago, correct?) you should at least be able to receive one or two, likely a radio reading service or a foreign-language service (or both).
http://metrosonix.com/ - one vendor of SCA radios
http://mistman.pdp10.org/pub/radio/sca.txt - article written by Dr. Elving explaining it
http://mistman.pdp10.org/pub/radio/sca_demodulator.png - schematic diagram to build an SCA demodulator circuit (I don't remember where I found it)
I also have an SCA radio and could record some audio so you can hear what it sounds like, if you want...