Shell Expatriate Benefits Annual Enrollment 2007
Agenda Annual Enrollment Health care benefits Other Benefits Resources
Annual Enrollment Process: No action required if you have no changes Paperless Process Changes are executed directly on your online Benefits Profile at www.netbenefits.fidelity.com (1.800.307.4355) Annual Enrollment between October 11 October 24, 2006
Gems 2007 Changes Prescription Drug coverage - 100% limit increased to $1,500 per individual per calendar year Diabetic supplies will now be covered as part of the prescription drug coverage Premiums adjusted slightly for 2007
Gems 2007 Monthly Premium Contributions Employee Only Employee + Children (up to age 22) Employee + Spouse/Partner Employee + Family (Spouse/Partner + Children) COBRA for dependents $ 62.36 $119.36 $136.66 $169.06 $165.65
Dental CIGNA Dental Care Slight increase in 2007 premiums and service copays CIGNA Dental PPO No changes for 2007 Vision No changes in premiums or benefits for 2007
Other Benefit Changes Group Life Insurance (GLI) Maximum benefit increased from 5 to 7 X annual pay Spouse/domestic partner coverage available in $50K increments up to $500K. Most participants will be uplifted. Special Evidence of Insurability applies
Health Management Center Enhancements to the BeWellAtShell Health Management Center: Online health resource to WebMD Access through NetBenefits Includes health improvement tools and information
Have a question? www.netbenefits.fidelity.com (1.800.307.4355) GEMS Membership Guide (January 2007) BUPA Membersworld: www.bupa-intl.com/membersworld or shellus@bupa-intl.com Hrhome: http://sww.shell.com/sps/employees/benefits_americas/ Click on Report Benefits Issues or Provide Feedback
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Enrolling in Benefits You and your family are covered from your date of hire, however you will need to make your elections within 31 days of Fidelity having your employment data in their system. You must call the Shell Benefits Service Center at 1 800 30 Shell to enroll in benefits. You may not use Netbenefits for your initial enrollment. Domestic Partner (DP) would have the same effective date as Member once DP affidavit is accepted by Fidelity. To enter the Fidelity system you will need a Social Security Number (SSN). Since you do not have a U.S. SSN upon arrival, you were given a bogus SSN in the Expatriate Services briefing. Please use the bogus SSN when calling Fidelity until you receive your actual U.S. SSN. Note that this bogus SSN can be used only with Fidelity. Once you have advised your Expatriate Services Advisor of your new SSN, your Advisor will update the Shell system to provide your new SSN to Fidelity. Please note this process may take several days.
You are eligible for the following: Care Medical Vision Dental Global Expatriate Medical Scheme (GEMS) Vision Service Provider (VSP) CIGNA Dental Care Plan CIGNA Dental Assistance Plan Protection Income Protection Insurance Long Term Disability Group Life Insurance Voluntary Personal Accident Insurance Group Auto & Home Insurance Group Legal
Global Expatriate Medical Scheme (GEMS) through BUPA International Internet: www.bupa-intl.com/membersworld View membership guide and hospital directory Download claim form, track claims, membership cards Email: shellus@bupa-intl.com Tel: 44 (0) 1273 71 8383 BUPA group number 702847 (For claims outside the U.S.) BUPA group number 702846 (For claims inside the U.S.) Once you make your election you will receive a medical card. You will present your medical card every time care is needed. This card is your proof of coverage.
GEMS Summary of Benefits Annual Maximum Benefit Hospital Treatment Surgical Treatment MRI, CT and PET Scans Physician Office Treatment Lab, X-ray and Diagnostic Treatment Well Person/Preventive Treatment $1,800,000/person 100%, paid in full 100%, up to $9,000/year* Prescription Drugs 100%, up to $1,500/year* * subject to annual maximum out of pocket expense ($5,000 individual, $10,000 family)
Dental Options CIGNA Dental Care Plan Provides local coverage No annual maximum benefit No orthodontic lifetime maximum benefit Covers adult orthodontia You must use the network of providers CIGNA Dental Assistance Plan Covered internationally Annual maximum benefit Orthodontic lifetime maximum benefit Doesn t cover adult orthodontia Any qualified provider Non-preventative services require a deductible Reimburses a percentage for covered services
Levels of Coverage Employee Only Employee + Children Employee + Spouse/Partner Employee + Family (Spouse/Partner + Children) Dental Care Plan $ 6.30 $10.37 $ 9.06 $18.34 Monthly Dental Assistance Plan $24.76 $42.98 $43.82 $73.72
Vision Service Plan (VSP) Service through a network of more than 23,000 eye-care professionals nationwide Higher level of benefits -OR- Service through any licensed eye-care professional Lower level of benefits with a non-network provider Expenses out of pocket, then submit a claim to VSP You will not receive a vision card. When you visit a VSP provider you must provide them with your social security number
Levels of Coverage Employee Only Employee + Children Employee + Spouse/Partner Employee + Family (Spouse/Partner + Children) Monthly $10.48 $16.62 $16.95 $27.40 VSP guarantees service from VSP network doctors only. In the event of a conflict between this information and your organization's contract with VSP, the terms of the contract will prevail. Your Coverage When visiting a VSP network doctor, you'll receive: Exam...every 12 months Prescription Glasses Lenses...every 12 months Single vision, lined bifocal and lined trifocal lenses. Frames...every 12 months Frame of your choice covered up to $ 130. Plus, 20% off any out-of-pocket costs. ~OR~ Contacts...every 12 months When you choose contacts instead of glasses, your $125 allowance applies to the cost of your lenses and the fitting and evaluation exam. This exam is in addition to your vision exam to ensure proper fit of contacts. Extra Discounts and Savings Laser Vision Correction Discounts Prescription Glasses * Up to 20% savings on lens extras such as scratch resistant and anti-reflective coatings and progressives * 20% off additional prescription glasses and sunglasses Contacts * Exclusive pricing on annual supplies of popular brands Your Copays Exam... $10 Prescription Glasses... $25 Contacts...No copay applies Dollar for dollar you get the best value from your VSP benefit when you visit a VSP network doctor. If you decide not to see a VSP doctor, copays still apply. You'll also receive a lesser benefit and typically pay more out -of-pocket. You are required to pay the provider in full at the time of your appointment and submit a claim to VSP for partial reimbursement. If you decide to see a provider not in the VSP network, call us first at 800-877-7195. Reimbursement Amounts: Exam... Up to $36 Lenses: Single Vision... Up to $28 Bifocal... Up to $45 Trifocal... Up to $56 Frame... Up to $45 Contact Lenses... Up to $125