Your Guide to
2020 Health Benefits

Annual Enrollment
October 21–November 8, 2019

Your Guide to
2020 Health Benefits

Annual Enrollment
October 21–November 8, 2019

Annual Enrollment is October 21 – November 8, 2019.
This is your opportunity to review your health care coverage options, learn what is changing for 2020 and decide what is best for you and your family.

Visit goto/HealthPlans to learn more.

Do you need to take enrollment action?

Answer these questions:

  • Do you want to change your current coverage?
  • Do you need to add a family member to your coverge?
  • Do you want to enroll in a health benefit you were not enrolled in for 2019?
  • Do you want to contribute to a Flexible Spending Account for 2020?

If you answered “yes” to any of these questions, you will need to take action during the enrollment period.

If you answered “no” to all of these questions, then NO ACTION is REQUIRED. Your 2019 elections for Medical, Dental and Vision will roll over to 2020.

This enrollment guide is a supplement to the Summary Plan Descriptions (SPDs) for the ExxonMobil Medical Plan, ExxonMobil Dental Plan, ExxonMobil Vision Plan and ExxonMobil Pretax Spending Plan. It is a summary of all material modifications that are effective January 1, 2020, and should be retained with your SPDs.

Did you know?

ExxonMobil U.S. Health Care Plans are expected to cost over $900 million in 2018. That’s equal to almost 18 million barrels of oil*.
*based on the average price of $51 a barrel for WTI (West Texas Intermediate).

Take Action Before 2020 Annual Enrollment Ends

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Remember!

Annual Enrollment is the only time you can enroll in or make changes to your health benefits for the 2020 plan year unless you experience a change in status during the year.

If you do not want to make any changes, you don’t have to do anything to continue with your current plan selection. However, in order to participate in a Flexible Spending Account (FSA), you must enroll each year, even if you are currently participating.

For more information, contact:

ExxonMobil Benefits Administration

  • Toll free: 800-262-2363
    Monday – Friday,
    8 a.m. to 3 p.m., Central Time (except holidays)
  • [email protected]
  • Fax: 262-314-2752 (for forms only)

Printable Enrollment Guide

If you would like to view a printable PDF version of this year’s enrollment guide, click here. You must be logged into the ExxonMobil Intranet to access.
enrollment guide cover

What’s New for 2020

The enhancements and changes highlighted below are effective January 1, 2020, for those who are enrolled in the ExxonMobil Medical Plan.

Filling Prescriptions for Aetna Members

More Choice

For those who take a medication on an ongoing basis

More ways to fill your 90-day prescriptions:

  • New At Walgreens or CVS retail locations
  • Express-Scripts home delivery
  • Accredo for specialty drugs sent to your home

Money Savers

For those in the POS II A&B plan options

If you take a medication for an ongoing condition (like high blood pressure), you must get 90-day fills after your third 30-day fill at a retail pharmacy. If you do not switch to 90-day fills through Walgreens, CVS or Express Scripts home delivery, you will be responsible for 100% of the cost.

For those on diabetes medications

Fill 30-day insulin prescriptions for $25 and 90-day insulin prescriptions for $75 at participating pharmacies (e.g., Walgreens, CVS, Express Scripts).

For those on certain high-cost specialty medications

Pay $0 in copays to fill certain specialty prescriptions, as long as you register with Accredo, our specialty pharmacy. Accredo will reach out to you to complete the necessary paperwork.

Filling Prescriptions for Cigna Members

More Choice

New Fill 90-day prescriptions at network retail pharmacies like CVS, Walmart, Target and more. (You can continue to use home delivery, too.)

Money Savers

Available now — Accredo specialty pharmacy services

Coming soon — Pharmacy management programs to help you stay on track with your medications, including lower copays for insulin prescriptions (expected June 2020).

New Ways to Use Your EHAP Benefits

The Employee Health Advisory Program (EHAP) has always been a great resource for you and your family. Now we are introducing three new options to use Magellan Health to improve your overall emotional and mental wellbeing. Your EHAP benefits, including up to eight sessions with a trained counselor, remain fully covered by ExxonMobil.

NEW Counselors to Help

Call and talk to a licensed clinician who will work with you to understand your unique situation and guide you through next steps, including referrals to local network providers.

Choose phone or video chat options for counseling sessions, in addition to seeing someone in your community.

Messaging therapy enables you to send a message to your therapist anytime through Talkspace via your web browser or mobile app. You can learn more and sign up at talkspace.com/Magellan. Make sure you register as an employee of ExxonMobil or a monthly fee will be assessed. If you are on the EM network, use Chrome to access the Talkspace site. If you are not on the EM network, any browser should work.

To get started, call Magellan at 800-442-4123.

NEW Coaches for Personal Growth

Sometimes a little help can go a long way to achieve your goals. Coaches provide confidential support to help shape your purpose and stay on track.

To get started, call Magellan at 800-442-4123.

NEW Website and Mobile Apps

Access resources to build your resiliency and emotional wellbeing, including “what’s trending” news articles and mobile apps for common concerns like sleep, anxiety, substance use and living with chronic pain.

Learn more at magellanascend.com

Other Changes for 2020

Increase to Health Care Flexible Spending Account Limit
Starting January 1, 2020, the annual Health Care FSA limit will increase to $2,700.

Changes in Contributions

Contributions for the ExxonMobil Medical Plan will increase between $0 and $8 a month for most plan options. The amount of your increase depends on your plan option and coverage level.

More good news is that the ExxonMobil Dental and Vision plans, and their contribution rates, will remain the same for 2020.

Regional Updates to Plan Options

Medical plan options available in your area are evaluated periodically based on enrollment levels, access to network doctors and facilities, and cost effectiveness.

Two important changes to know:

ONE: The Cigna OAPIN plan option is now available in Corpus Christi, Texas. However, it will no longer be available in New Jersey or Connecticut.

TWO: The Aetna Choice II network now includes more service areas. You will be notified if you are enrolled in POS II A or B and “out of area” benefits do not apply any longer.

New Online Wellness Platform

Coming in 2020 — the Culture of Health will be moving to Rally as our new interactive online wellness site. The Healthyroads website will be retired.

Keep an eye out for more news on how to access Rally and all of its tools.

2020 Plan Rates

In order to see the rates you must be logged into the ExxonMobil intranet.

Which Option is Right for You?

Medical Plans — At A Glance

POS II A >> At A Glance

Key Features

This plan may be right for you if you:

  • Prefer a higher annual deductible in exchange for a lower monthly contribution
  • Want the flexibility to use any provider you choose, even if it costs you more
  • Want access to a specialist without a referral from your Primary Care Physician

POS II B >> At A Glance

Key Features

This plan may be right for you if you:

  • Prefer a lower annual deductible in exchange for a higher monthly contribution
  • Want the flexibility to use any provider you choose, even if it costs you more
  • Want access to a specialist without a referral from your Primary Care Physician

Annual Deductible

The amount you must pay each year before the Plan begins to pay for covered health care expenses you use.

Copays

Fixed dollar amounts you pay for certain health care services, generally when you receive them.

Coinsurance

The percentage of eligible health care expenses the Plan pays after you meet any required annual deductible. You are responsible for paying the remaining difference.

Out-of-Pocket Maximum

The amount of covered medical expenses you pay in one year before the Plan begins paying 100% of eligible expenses.

Non-Network Coverage

Coverage for providers and facilities located in the medical plan POS ll or mental health PPO network areas but which do not participate in a network available under this plan.

Primary Care Physician (PCP) (HMO Options)

A participating physician who supervises, coordinates and provides initial care and basic medical services as a general or family care practitioner, internist or pediatrician, to plan participants; initiates referrals for specialist care and maintains continuity of care.

Preventive Care

Measures taken for disease prevention, as compared to disease treatment

Health Management

Work with specialized Health Management Nurses available through Optum to help manage chronic conditions like coronary artery disease, chronic obstructive pulmonary disease (COPD), or diabetes

Maternity Programs (Aetna and Cigna)

Let trained nurses guide you through your pregnancy and help you give your baby a healthy start — providing you with services and educational materials that complement your health benefits.

Eligible Family Members

If you are enrolled in health care coverage, you may enroll the following eligible family members in medical, dental and vision coverage for 2020 as outlined below:

Your spouse who:
  • Is in a marriage with you that is legally recognized under the laws of the state or other jurisdiction in which the marriage takes place, consistent with U.S. federal law.
Your child who:
  • Has not reached the end of the month during which he or she reaches age 26; or
  • Is totally and continuously disabled and incapable of self-sustaining employment as further described in the ExxonMobil Medical Plan Summary Plan Description; or
  • Is recognized under a qualified medical child support order as having a right to coverage; or
  • Is a grandchild, niece, nephew, cousin, or other child related by blood or marriage over whom a regular employee or the spouse of a regular employee (separately or together) is the sole court appointed legal guardian or sole managing conservator; or
  • Is a child for whom the regular employee has assumed a legal obligation for support immediately prior to the child’s adoption by the regular employee; or
  • Is a stepchild.

    You may continue covering an eligible dependent child after age 26 if he/she:

    • Is totally and continuously disabled and incapable of self-sustaining employment by reason of mental or physical disability; and
    • Meets the definition of a dependent by the Internal Revenue Service; and
    • Was covered as an eligible family member under this plan immediately prior to his/her 26th birthday; and
    • Received that determination prior to his/her 26th birthday and continues to meet the clinical definition through subsequent periodic reassessments

    You may be asked to confirm dependent status on a periodic basis.

    How to enroll or update dependent information in EDA
    Important reminders:
    • Log into EDA to review your Benefit Summary to ensure your enrolled family members are still eligible.
    • Failure to notify Benefits Administration about a family member that is no longer eligible, for example a former spouse, can result in your loss of eligibility for the health care plan.
    • If you are changing medical options, check the box in front of each family member you wish to cover.
    • If this is the first time you are adding your family member, be sure to provide his/her Social Security number.
    • If this is the first time you are listing a family member, please remember that in order to process your change, you will need to provide Benefits Administration with the corresponding supporting documentation prior to 12/31/19. Otherwise, your changes will not be effective 01/01/2020.
    • If you experience a change in status, such as a marriage or the birth of a child during the year, you may be eligible to make changes to your benefit elections. You will have 60 days from the date of the event to make your change.

    To add a family member to your record, go to Employee Direct Access (EDA) or contact Benefits Administration at 800-262-2363.

    Enrolling Online is Easy

    If you do not want to make any changes, you don’t have to do anything to continue with your current plan selection. However, to participate in a Flexible Spending Account (FSA), you must enroll each year during Annual Enrollment, even if you are currently participating.

    If you do need to enroll this year, here is what you need to do:

    1. Go to the Employee Direct Access (EDA) system from the ExxonMobil intranet home page and log in any time from October 21 through November 8, 2019.
    2. Click on the Employee Self-Service tab at the top of the EDA home page and follow the on-screen instructions. Be sure to save your elections throughout the process and submit them when you are finished.
    3. Print the confirmation for your records.

    You must enroll by 6:00 p.m. CST, November 8, 2019, to elect, change or cancel your coverage for 2020.

    Mid-year Changes

    If you have a change in status, such as marriage or the birth of a child during the year, you may make changes to your benefit elections. You have 60 days from the date of the event to make your change.

    Contact Information

    At ExxonMobil, it’s our goal to give you the tools to help you make smart health care choices. Take advantage of the benefits resources below and review your options to make the choice that’s right for you and your family in 2020.

    To contact the ExxonMobil Employee Benefits Administration, email [email protected] or call 800-262-2363

    Vendor Description Phone Hours Website
    Aetna POS II and Aetna Select, including:

    • Health Advocate Program
    • 24-Hour Nurse Line
    • Pre-tax Spending Plan
    800-255-2386 Monday – Friday, 8 a.m. – 6 p.m. CT (except certain holidays) goto/Aetna or aetna.com Aetna mobile app
    Cigna Cigna OAPIN, including:

    • Health Advocate Program
    • 24-Hour Nurse Line
    • Cigna Rx benefits
    800-818-9440 24 hours a day, 7 days a week goto/Cigna or cigna.com myCigna mobile app
    Teladoc (Aetna)
    • 24/7 access to board-certified doctors via video chat or phone
    855-Teladoc (835-2362) 24 hours a day, 7 days a week Teladoc.com/Aetna
    AmWell & MDLIVE (Cigna)
    • 24/7 access to board-certified doctors via video chat or phone
    AmWell: 855-667-9722 MDLIVE: 888-726-3171 24 hours a day, 7 days a week AmWellforCigna.com MDLIVEforCigna.com
    2nd MD (Aetna)
    • Second Opinion Services
    866-410-8649 7 a.m. – 7 p.m. CT 2nd.md/Aetna
    Cleveland Clinic MyConsult (Cigna)
    • Second Opinion Services
    800-223-2273 ext. 43223 7 a.m. – 7 p.m. CT goto/Cigna or cigna.com (click the MyConsult link)
    Vendor Description Phone Hours Website
    Express Scripts (ESI) Prescription drug benefits information for POS II and Aetna Select. 800-695-4116 24 hours a day,
    7 days a week
    express-scripts.com/exxonmobil
    Vendor Description Phone Hours Website
    Aetna Dental coverage information 800-255-2386 Monday – Friday,
    8 a.m. – 6 p.m. CT
    (except certain holidays)
    goto/Aetna or aetna.com
    Vendor Description Phone Hours Website
    Spectera Vision coverage information 877-303-2415 Monday – Friday,
    7 a.m. – 10 p.m. CT
    Saturday, 8 a.m. – 5:30 p.m. CT
    (except certain holidays)
    exxonmobilvision.com
    Vendor Description Phone Hours Website
    Livongo (Aetna)
    • Diabetes Management
    800-945-4355   start.livongo.com/EXXON Registration Code: EXXON
    Magellan
    • Employee Health Advisory Program
    • Magellan Health
    • Telemedicine for Mental Health
    • Talkspace Counseling
    • Life Assistance Resources
    800-442-4123
    314-387-4700 (for international collect calls)
    24 hours a day, 7 days a week magellanascend.com
    Omada (Cigna)
    • Lifestyle Change Program for Prevention of Diabetes
        Omadahealth.com/exxonmobil
    Optum
    • Health Management Program (for certain chronic illnesses if you meet eligibility criteria)
    • Cancer Management Program
    800-557-5519 Monday – Friday, 8 a.m. – 8 p.m. CT (Nurseline: 24 hours  day, 7 days a week)  
    Progyny
    • Fertility Services
    • Patient Advocacy
    • 1:1 Support
    833-851-2229 8 a.m. — 8 pm CT progyny.com

    Important Notices

    The notices and Summaries of Benefits and Coverage (SBCs) that ExxonMobil is required to provide on an annual basis are part of your Annual Enrollment materials. A copy of these notices and SBCs can be found at exxonmobilfamily.com.

    Plan Documents

    The benefits described herein are governed under law by formal Plan documents. If there is any discrepancy between the information provided in this guide and the formal Plan documents, the Plan documents control. ExxonMobil Corporation reserves the right to amend, suspend or terminate any or all of its benefit plans and programs at any time.

    Required Notice of Grandfathered Plan Intent

    ExxonMobil Corporation believes that most options available under the ExxonMobil Medical Plan (EMMP) are “grandfathered health plans” under the Patient Protection and Affordable Care Act (PPACA). As permitted by PPACA, a grandfathered health plan can preserve certain basic health coverage that was already in effect on March 23, 2010. Grandfathered plan options under the EMMP may not include all consumer protections of PPACA that apply to other plans such as breast pumps for nursing mothers which are not covered under the Plan. In addition, most options under the EMMP cover some, but not all, preventive health services without any cost sharing. Effective January 1, 2019, the benefit plan options that are no longer grandfathered health plans are Aetna Select and Cigna OAPIN options. The Aetna Select and Cigna OAPIN options under the EMMP meet all of the requirements of PPACA.

    Questions regarding which protections apply to the EMMP and what might cause the EMMP or one or more of its options to change from grandfathered health plan status can be directed to the Plan Administrator at Administrator-Benefits, P.O. Box 64111, Spring, Texas 77387-4111. You may also contact the Employee Benefits Security Administration, U.S. Department of Labor at 866-444-3272 or dol.gov/ebsa/healthreform.

    PPACA Highlights

    ExxonMobil is continuing to monitor the changes associated with PPACA to assess how it affects the Company and our employees. As you prepare for annual enrollment, Keep in mind, you can choose how you obtain your health coverage. You can get it through the ExxonMobil Medical Plan, a family member’s employer or through the health insurance marketplace available in your state.

    Required Notice of the HIPAA Privacy Practices

    The ExxonMobil Medical Plan and the ExxonMobil Dental Plan are required to give you a link to the HIPAA Privacy Notice. Access the HIPAA Privacy notice on ExxonMobil Family at exxonmobilfamily.com.

    Nondiscrimination Notice

    The ExxonMobil Medical Plan and its administrators comply with applicable Federal civil rights laws and do not discriminate on the basis of race, national origin, age, disability or sex. To see the full notice of nondiscrimination go to exxonmobilfamily.com.