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Your Guide to
2021 Health Benefits

 

 

Annual Enrollment

October 19–November 6, 2020

Your Guide to
2021 Health Benefits

 

 

Annual Enrollment

October 19–November 6, 2020

2020 has been challenging in so many ways.

Through it all, your health benefits from ExxonMobil have been there for you and your family. Whatever medical plan option you are enrolled in, ExxonMobil health benefits have provided you access to affordable primary care, a vast network of specialists when you have a problem and prescriptions that can be delivered right to your door. We have expanded options to get care virtually through telemedicine services and with your own provider, and we have enhanced our Employee Health Advisory Program (EHAP) to help you take care of yourself and those who depend on you.

We encourage you to take the time now to review your benefits, learn about the changes for next year and take an active role in your health care decisions.

Annual Enrollment is October 19 – November 6, 2020.
This is your opportunity to review your health care coverage options, learn what is changing for 2021 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 coverage?
  • Do you want to enroll in a health benefit you were not enrolled in for 2020?
  • Do you want to contribute to a Flexible Spending Account for 2021?

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 2020 elections for Medical, Dental and Vision will roll over to 2021.

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 Pre-Tax Spending Plan. It is a summary of all material modifications that are effective January 1, 2021, 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 2021 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 2021 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,
    9 a.m. to 2 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 2021

The following enhancements and changes will be effective January 1, 2021, for those enrolled in the ExxonMobil Medical Plan.

Aetna POS II A&B Members

Preventive Care
You will have access to more preventive services at no cost to you, including certain prescription medications like contraceptives and statins. Preventive care includes periodic wellness visits, routine immunizations and screenings provided when you have no symptoms or have not been diagnosed with a disease. For a complete list of preventive services, visit healthcare.gov/coverage/preventive-care-benefits.

Non-Network Claims
Using medical providers who are not in the Aetna network is expensive for you and for the Plan. Starting in 2021, you will be responsible for more of the cost if you choose to get care from a non-network provider.

Deductible and Out-of-Pocket Maximum
The annual non-network deductible and out-of-pocket (OOP) maximum amounts are not changing. However, you will need to meet the non-network deductible and OOP maximum separately from the network deductible and OOP maximum. Non-network services will only count toward the non-network deductible and OOP maximum, and network services will only count toward the network deductible and OOP maximum.

For example:

Network
OOP

Non-network
OOP

Network specialist visit

$40

$0

Non-network MRI facility

$0

$400*

* This is only an example. Imaging facilities charge varying amounts. We assumed a $1,000 total bill, which would leave you with 40% coinsurance if you are enrolled in POS II B.

Allowable Amount
When you use a non-network provider, the Plan will only pay up to a maximum amount for each service. The maximum or allowable amount for most services will be based on a percentage of what Medicare would pay for the same service. That means you may incur charges the Plan will not share with you, and you will be responsible for paying any outstanding balance billed by the provider. This is already how the Plan works for non-network facility charges. You may want to consider using a network provider as a lower-cost alternative.

Medical Coverage Appeals
The Office of the Administrator-Benefits will no longer handle voluntary medical claims appeals. Aetna, Magellan and Express Scripts will handle all claims appeals, including third-party reviews in some cases.

Medical/Dental Coordination
Your medical and dental coverage will no longer coordinate payment to cover procedures by a dentist or oral surgeon under both plans.
Procedures by a dentist or oral surgeon that are medical in nature based on Aetna guidelines will be covered under the medical plan. Procedures that are dental in nature will be covered under the dental plan.

Aetna Select Members

Vision Coverage

If you would like coverage for routine vision care, you will want to enroll in the ExxonMobil Vision Plan. Routine vision care will no longer be covered through your Aetna medical plan option.
We encourage you to examine your option for 2021. If you enroll, you will receive:

  • Up to two comprehensive eye exams per year at no cost (provided you stay in network)
  • One pair of lenses and frames or contacts per year
Cigna Members

Prescription Drugs

More pharmacy programs and services will be available through Express Scripts, a Cigna company. Here are some important items to know:

  • You will receive a new Cigna ID card to use at retail pharmacies.
  • Home delivery will be through the Express Scripts pharmacy. If you have automatic refills today with Cigna, you will be mailed instructions to sign up for automatic refills with Express Scripts.
  • You still have access to the same Cigna network of retail pharmacies, including 90-day refills. Your current prescriptions do not need to be updated. You will be notified if your next refill date changes.
  • You can continue to manage your prescriptions at myCigna.com or now on express-scripts.com/exxonmobil.

For Those on Diabetes Medications
Fill 30-day insulin prescriptions for $25 and 90-day insulin prescriptions for $75 at participating pharmacies (e.g., CVS, Walmart, Target and Express Scripts home delivery).

For Those on Certain High-Cost Specialty Medications
Pay $0 in copays to fill certain specialty prescriptions. If the specialty medication you are taking qualifies for this benefit, you will be contacted by Accredo, our specialty pharmacy, to complete the paperwork to enroll in the program.

Vision Coverage
If you would like coverage for routine vision care, you will want to enroll in the ExxonMobil Vision Plan. Routine vision care will no longer be covered through your Cigna medical plan option. We encourage you to examine your option for 2021. If you enroll, you will receive:

  • Up to two comprehensive eye exams per year at no cost (provided you stay in network)
  • One pair of lenses and frames or contacts per year
All Members

Changes in Contributions
Because the cost of health care in the U.S. increases every year, your monthly medical plan contributions will increase by $2 to $18. The amount of the increase depends on which plan option you enroll in and who you cover.

Good news! There are no increases to the monthly contributions for dental and vision coverage. You can see links to the 2021 rates a bit farther down in the website.

Retiree Medical Coverage

ExxonMobil provides health care benefits for more than 47,000 Medicare-eligible retirees and dependents across the U.S. This year, we are switching to a Medicare Advantage plan. Why?

Retirees receive a better benefit and the company saves money through Aetna’s 4.5-star National PPO Plan.

2021 Plan Rates

See the rates for your medical, dental and vision options.

Important Savings Reminder: If you earn the Culture of Health rate by fulfilling the requirements every year, you can reduce your monthly medical plan option contributions for the next calendar year.

Which Option is Right for You?

Which medical plan option should you choose? It depends on your health care needs and your personal preferences. There are a few things to think about as you decide.

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Comparing Your Options

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 2021 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. If your family member is no longer eligible for coverage, you must notify Benefits Administration.
    • 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 December 31, 2020. Otherwise, your changes will not be effective January 1, 2021.
    • 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, option 0.

    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 19  through November 6, 2020.
    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 6, 2020, to elect, change or cancel your coverage for 2021.

    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.

    May I enroll by phone?

    You cannot enroll by phone for medical, dental or vision coverage or Health Care or Dependent Care Flexible Spending Accounts (FSA). If you do not have access to EDA, please call 800-262-2363, option 0 to obtain enrollment forms.

    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 2021.

    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
    • Behavioral Health (Magellan)
    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
    • Behavioral Health
    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
    MDLIVE (Cigna)
    • 24/7 access to board-certified doctors via video chat or phone
    888-726-3171 24 hours a day, 7 days a week 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
    216-444-3223
    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 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
    Magellan
    • Employee Health Advisory Program
    • Behavior Health (Aetna members)
    • Life Assistance Resources
    800-442-4123
    314-387-4700 (for international collect calls)
    24 hours a day, 7 days a week magellanascend.com
    Livongo (Aetna)
    • Diabetes Management
    800-945-4355   start.livongo.com/EXXON
    Registration Code: EXXON
    Omada (Cigna)
    • Lifestyle Change Program for Prevention of Diabetes
        Omadahealth.com/exxonmobil
    Optum
    (Aetna & Cigna)
    • 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
    (Aetna & Cigna)
    • Fertility Services
    • Patient Advocacy
    • 1:1 Support
    833-851-2229 8 a.m. — 8 pm CT progyny.com
    Vendor Description Phone Hours Website
    Aetna Flexible Spending Accounts 800-255-2386   goto/Aetna or aetna.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

    Effective January 1, 2021, the POS II A and B are no longer grandfathered options under the ExxonMobil Medical Plan (EMMP). The Aetna Select and Cigna OAPIN options under the EMMP were no longer grandfathered as of January 1, 2019.

    All options under the EMMP meet the requirements of the Patient Protection and Affordable Care Act (PPACA).

    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.