BP Corporation North America Inc.

• This employer files 2 health plans for this group; we judged them together.

1. BP Consolidated Welfare Benefit Plan · 13,215 people · Both kinds

   • The filing says benefits are paid from a trust the plan controls.
   • Medical insurance bought from Healthcare Service, Kaiser Permanente is on file, covering about 1,643 people.
   • We ignored 1 low-cost supplemental policy(ies) such as accident or hospital cover; they don't decide how your medical claims are handled.
   • Medical insurance is on file, but the plan also pays benefits from the employer's own money, so some options are likely self-funded.
   • The insured options cover only about 12% of the 13,215 participants, so most people in this plan are in the self-funded part.
   • The self-funded part's claims are processed by Webmd Health Corp/Webmd Global Llc, Kepro Acquisitions, Blue Cross Blue Shield (Schedule C).

2. BP Executive Medical Plan · 281 people · Insured · state rules

   • Medical insurance bought from Aetna is on file, covering about 448 people.
   • The filing says all benefits are paid through insurance contracts.

Double-check in 30 seconds: “Self-funded”, “administered by” or “ASO” on your card or plan summary means self-funded. “Insured by” or “underwritten by” means insured.

• The filing says benefits are paid from a trust the plan controls.
• Medical insurance bought from Kaiser Permanente is on file, covering about 694 people.
• We ignored a small insurance contract with Healthcare Service covering about 234 people; it is too small to be the main plan.
• Medical insurance is on file, but the plan also pays benefits from the employer's own money, so some options are likely self-funded.
• The insured options cover only about 3% of the 24,825 participants, so most people in this plan are in the self-funded part.
• The self-funded part's claims are processed by Webmd Health Corp/Webmd Global Llc, Inspira Financial Health (Schedule C).

Double-check in 30 seconds: “Self-funded”, “administered by” or “ASO” on your card or plan summary means self-funded. “Insured by” or “underwritten by” means insured.