When you need care

Learn about the excellent coverage you receive from Adobe’s medical and dental plans. Health care is a big part of your total rewards, and we want to help you get the most out of it.

Medical

To supplement your national health insurance, Adobe offers private medical insurance through Groupama and Regina Maria to help manage your health care needs. From general medicine and dermatology to hospital visits and surgery, we’ve got you covered.

Please review the Medical Plan Insurance Guide—English [PDF]  or Medical Plan Insurance Guide–Romanian [PDF] for more information.

Coverage

ServicePlan pays
In-patient and day-patient coverage, including hospital fees, specialists’ fees and diagnostic testsUp to a maximum of RON 10,000 per year of insurance
MRI and CT scansUnlimited, based on doctor’s recommendation
Private ambulance100%, through the plan network
Pregnancy monitoringBased on pregnancy protocol
ChildbirthUp to RON 7,000
Outpatient coverageUp to 100% of costs based on medical referral and list of services
Outpatient diagnostics, such as blood tests and X-raysUp to 100% of costs based on medical referral and list of services
PhysiotherapyUp to 40 sessions per year

How to file a claim for reimbursement

You have direct access to the Regina Maria network of clinics. You can also access care out of Regina Maria network and file a claim [PDF] to reimburse part of the cost. When you request reimbursement, refer to our checklist (in English [PDF] or Romanian [PDF]) to make sure you are submitting all the necessary documents.

Note: If you book an appointment with a paid doctor [PDF], you will have to pay for it out of pocket and the cost will not be reimbursed by Groupama. If you book an appointment with an academic partnership doctor [PDF], you will be eligible for reimbursement of 100% of the costs by filing a claim. Reimbursement files and all supporting documents should be scanned to Groupama at documente@groupama.ro or Marsh at adobe@marsh.com. Employees should not post any paper/hard copies to Groupama.

What to do in case of emergency

  • Call 021 / 9942 in case of emergency.

An operator will evaluate the condition of the patient and advise on the best course of action: go to a hospital, stay at home or go to an emergency room. Emergency room visits pre-authorised by Groupama and within their network will be reimbursed. Emergency visits outside the network are not eligible for reimbursement. For more information, review the Emergency Guide [PDF].

How to access plan support

  1. Call the Groupama + Regina Maria call centre at +40 (0)21 9767 to book an appointment or find out more about what the plan covers.
  2. If you have talked to the call centre and face any difficulties, please call +40 21 303 72 53 or email Marsh (adobe@marsh.com). Marsh is a customer service centre that provides exclusive support to Adobe employees.
  3. If your issue has still not been resolved, contact adobebenefits@thomsons.com or call +44 (0) 203 435 7877.

Premium Tax Treatment

Adobe pays the entire medical plan premium for you and your dependents as follows:

  • RON 178.42 per month for you
  • RON 178.42 per month for each dependent on your plan

While your insurance is tax-free, the amount paid for your dependents is considered a taxable benefit. Subscription to the plan will be stated on employees' monthly payslips.

Contact adobepayroll@mazars.ro for further tax-related questions.

Eligibility

The scheme is open to all regular employees, Adobe paid temps and interns. Adobe funds the premium for employees, their partners and dependent children (Note: It is not possible to cover siblings, parents or other members of the extended family).

How/when to enroll or make changes

  • Enrollment is restricted to the open period, in June each year.
  • New hires will be automatically added to the medical plan effective the first of the month following the hire date. Any eligible dependents  must be added to the medical plan within 30 days from the hire date or during the next open period.
  • Changes due to life events (birth or placement of a child, marriage, divorce, etc.) must be made within 30 days of the event or during the open period. Proper documentation of the qualifying life event may be requested.
  • Employees can add dependents or make other changes via My Adobe Benefits by following the below instructions:
    1. Log into My Adobe Benefits
    2. Go to the Benefit Selection Window
    3. Select Medical Insurance
    4. Select the coverage you want and provide dependent details if you enroll family members in the plan
    5. Make sure you select Confirm when asked to activate this change
    6. Your request will be reviewed and approved. If you submitted your request before the 24th of the month, you will be added to the group insurance effective from the first of the following month.

Pregnancy

Congratulations! Welcoming a child is a wonderful time in life. As you’re navigating the new world of swaddling, feeding, diapers and legal documents, take the time to review the Pregnancy Protocol [PDF] to make sure you and your baby are well taken care of.

The pregnancy protocol is established by the Romanian Ministry of Health and outlines medical services required during the course of normal pregnancy. Services outlined in the protocol are covered by your medical insurance. Should your doctor decide that there are some medical conditions or risks associated with the pregnancy, he or she might request additional tests and scans. In this case, your doctor will be required to provide a detailed report, explaining your medical condition and justifying the need for additional tests/scans. Subject to Groupama's approval, all additional scans and tests will be reimbursed outside the pregnancy protocol, under the basic medical plan.

You may enroll your new baby or adopted child in your medical and dental plans. You may also change plans at that time and add any previously eligible but uncovered dependents.

Visit My Adobe Benefits within 30 days of the date of the baby's birth or the day the adoption is finalized to enroll or make changes. If you miss this enrollment window, you'll have to wait until the next Open Enrollment period.

Dental

The dental plan through Groupama and MG Medical gives you and your eligible dependents access to private dental care. Please review the Dental Plan Summary [PDF] for more information.

Summary of eligible dental treatments

ServicePlan pays
Preventive treatment (scale and brushing)100%
Routine and restorative treatmentUp to 100%
X-raysUp to 100%
Treatment and fillingsUp to 100%
OrthodonticsUp to a 30% discount
Dental surgeryUp to 100%
Prosthetics and implantsUp to a 30% discount

How to access care

MG Medical has a network of clinics where you can access care. To book an appointment, contact MG Medical.

More details, including clinic locations, are online.

The plan is a subscription plan and you have direct access to services within the MG Medical network. Dental visits at clinics outside of the MG Medical network are not reimbursable.

Premium Tax Treatment

Adobe pays the entire premium of the dental plan for all employees. The premium for dependents is the responsibility of the employee and will be taken through monthly payroll deductions. The premiums paid for the dental plan are as follows:

  • RON 61.15 per month for you (Adobe-paid)
  • RON 61.15 per month for each dependent on your plan (employee-paid)

The dental plan is a taxable benefit and there is a liability to tax as a “Benefit in Kind” on the value of the premiums that Adobe pays for its employees. Subscription to the plan will be stated on your monthly payslip.

Contact adobepayroll@mazars.ro for further tax-related questions.

Eligibility

The scheme is open to all regular employees, Adobe paid temps and interns enrolled in the Medical Plan (Groupama). You cannot join the dental plan if you are not part of the Medical Plan. Adobe funds the premium for employees only. It is possible to cover eligible dependents (spouse/domestic partner and children) at your own cost.

How/when to enroll or withdraw

  • Enrollment is restricted to the open period (in June each year), at hire or due to life events.
  • New hires must enroll within 30 days from their hire date or during the next open period
  • Changes due to life events (birth or placement of a child, marriage, divorce, etc.) must be made within 30 days of the event or during the open period. Proper documentation of the qualifying life event may be requested.
  • Employees can join or withdraw via My Adobe Benefits by following the below instructions:
    1. Log into My Adobe Benefits
    2. Go to the Benefit Selection Window
    3. Select Medical Insurance
    4. Select the coverage you want and provide dependent details if you enroll family members in the plan
    5. Make sure you select Confirm when asked to activate this change
    6. Your request will be reviewed and approved. If you submitted your request before the 24th of the month, you will be added to the group insurance effective from the first of the following month.