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Your Guide to
2022 Health Benefits

Find Your Fit | Benefits Built for Life

 

Annual Enrollment

October 18–November 5, 2021

Your Guide to
2022 Health Benefits

Find Your Fit | Benefits Built for Life

 

Annual Enrollment

October 18–November 5, 2021

2021 has been yet another complex year.

Through all of life’s recent uncertainties and challenges, you have shown strength, resilience and perseverance. Just as we have been able to count on you, you can count on your ExxonMobil benefits to support you and your family.

ExxonMobil health benefits are designed to make it easy for you to access care, whether it is affordable primary care, home-delivery prescriptions or on-demand telemedicine.

We also want you to know that your emotional and mental wellbeing is important. We have free and confidential services available through the Employee Health Advisory Program (EHAP), and we encourage you and anyone in your family who might be struggling with their wellbeing to seek help

As we say every year, Annual Enrollment is a great time to review your benefit coverage, learn about changes for next year and continue to take an active role in your health care decisions to find the coverage that best fits your needs.

Annual Enrollment is October 18 – November 5, 2021.
This is your opportunity to review your health care coverage options, learn what is changing for 2022 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 2021?
  • Do you want to contribute to a Flexible Spending Account for 2022?

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 2021 elections for Medical, Dental and Vision will roll over to 2022.

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, 2022, 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 2022 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 2022 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 make an active selection each year, even if you are currently participating.

For more information about Annual Enrollment, contact:

ExxonMobil Benefits Administration

  • Toll free: 800-262-2363, option 0
    Available from October 18th to November 5th
    Monday – Friday,
    8 a.m. to 3 p.m., Central Time (except holidays)
  • [email protected]
  • Fax: 713-231-1743 (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 2022

The following enhancements and changes will be effective January 1, 2022, for those enrolled in the ExxonMobil Medical Plan.

Medical Plan Updates

Changes in Medical Contributions
Monthly contributions for medical plan coverage will increase by $3 to $18 per month, depending on the plan option you enroll in and who you cover.


New Medical Plan Option for Employees in Remote Locations
If you live in an eligible remote location — such as Alaska, Wyoming, Utah or the Permian Basin — you will have an additional medical plan option this Annual Enrollment. Along with the Aetna POS II A and B options, you will have the Cigna OAPIN plan option for the first time.

We heard your feedback about provider options, and our analysis in those remote locations convinces us that the Cigna network will help improve access to care. Remote locations are reviewed annually. Make sure you check if your location qualifies for this plan option using the zip code search tool at goto/zipcode.

Extremely important: The Cigna OAPIN option does not cover out-of-network medical care. If you enroll in this plan option, you must stay in the Cigna network for the plan to cover any portion of the costs for care. This is an important difference between the Aetna POS II (A and B), and Cigna options.

Thinking of switching medical plan carriers? Check to see if your current providers are in the Cigna network by checking the Cigna Provider Finder tool.


New Resources for Chronic Conditions and Cancer
If you are diagnosed with cancer or a chronic condition like diabetes, heart disease or arthritis, you will receive additional support from either Aetna or Cigna through highly regarded specialty programs. We believe that having your medical carrier provide care for you in these circumstances will lead to better support, customer service and health outcomes, rather than through a separate vendor as we have now.

Do you currently receive cancer or chronic condition support from Optum? If you are currently receiving cancer support through Optum, you can transition your care to your medical carrier (Aetna/Cigna) or you can elect to continue to receive assistance through Optum until your treatment is finalized. For chronic conditions, your treatment will be transferred to your medical carrier effective January 1, 2022. Optum and your medical carrier will help you with your transition of care so that you never miss a beat.

For questions, call:
Aetna: 800-255-2386
Cigna: 800-818-9440

Dental and Vision Plan Updates

Dental Coverage
Good news: Your monthly contributions for dental coverage are not increasing in 2022. There are a few changes to dental coverage:

  • Each calendar year, the plan will cover one preventive fluoride treatment for adults and two for children under age 16.
  • The plan will cover bitewing X-rays one time per calendar year.
  • Reasonable and customary out-of-network coverage will be paid at the 80th percentile.

Vision Coverage
If you are enrolled in or thinking about enrolling in vision coverage, there are three updates to know:

  • Your copay for materials will increase to $35 (from $25). For example, if you need eyeglasses or contact lenses, you will owe a $35 copay for the materials.
  • The plan will cover 100% of the costs for one comprehensive eye exam every year. The only exceptions are for expectant or breastfeeding mothers and children up to age 13, who are eligible for two exams.
  • Premiums for vision coverage are increasing in 2022.
New Musculoskeletal Program for All Members

New Program for Aching Backs, Necks and Knees
Way too many of us have pain or problems with our musculoskeletal system — neck, back, shoulder, hip, knee or ankle. Surgery should rarely be the first option, especially for those of us who have chronic issues that are worsening slowly.

Beginning January 1, 2022, we will launch Hinge Health, a digital program that we hope will help you feel better, reduce pain and learn helpful physical therapy exercises. After you complete a simple online clinical screener, Hinge Health can assess your condition and match you to the right treatment program, whether the care you need is preventive, acute or chronic. Pre- and post-surgery rehabilitation is also available.

Learn more at hingehealth.com/exxonmobil.

Flexible Spending Account Updates

Need-to-Know Information for Flexible Spending Accounts
COVID-19 legislation has changed some tax laws that might apply to you if you have a Health Care Flexible Spending Account (FSA) or Dependent Care FSA:

  • Health Care FSA — Any unused funds in your account at the end of 2021 will roll over to 2022. Prior to COVID-19, the maximum you could roll over was $500. For planning purposes, you can carry over a maximum of $550 from 2022 into 2023. Note: Over-the-counter medications (with or without a prescription) and menstrual care products now qualify for reimbursement under the Health Care FSA.
  • Dependent Care FSA — Any unused funds in your account at the end of 2021 will roll over to 2022. Prior to COVID-19, you could not roll over any amount. For planning purposes, consider a $0 rollover at the end of 2022 into the 2023 plan year. Also, you will not need a tax identification number (TIN#) displayed in statements for eligible expenses.

Keep track of your spending accounts with Payflex so you know how much will roll over and how much you should contribute in 2022.

2022 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. Click the plus sign to review some questions to consider.

 

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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 2022 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:
  • Is a natural child, stepchild or adopted child who has not reached the end of the month during which they reach 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.

You may continue covering an eligible dependent child after age 26 if they:

  • Are totally and continuously disabled and incapable of self-sustaining employment by reason of mental or physical disability; and
  • Meet the definition of a dependent by the Internal Revenue Service; and
  • Were covered as an eligible family member under this plan immediately prior to age 26 when the child’s eligibility would have otherwise ceased; and
  • Met the clinical definition of totally and continuously disabled before age 26 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 Annual Compensation and Benefits Statement (Updated as of December 2020) 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, and you will be required to reimburse the Plans for any claims paid after the loss of eligibility for any ineligible person(s). You may also be subject to discipline up to and including termination of employment.
  • 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, 2021. Otherwise, your changes will not be effective January 1, 2022.
  • 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.
  • Make sure all of your personal information is updated on EDA, including your home address and contact information.

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

Annual Enrollment is your once-a-year opportunity to choose benefits coverage that fits your needs and ensure you are covering eligible dependents. 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 make an active selection 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 18  through November 5, 2021. If you don’t have access to EDA, you can obtain enrollment forms by calling 800-262-2363, option 0. Enrollment forms must be received by Benefits Administration no later than November 5, 2021.
    Note: Due to U.S. Payroll processes, EDA may be unavailable on October 21 and November 5. Please keep that in mind when making your enrollment elections.
  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 5, 2021, to elect, change or cancel your coverage for 2022.

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?

No, you cannot enroll by phone for medical, dental or vision coverage or Health Care or Dependent Care Flexible Spending Accounts (FSA).

Contact Information

Take advantage of the benefits resources below and review your options to make the choice that’s right for you and your family in 2022.

If you have questions about Annual Enrollment, call Benefits Administration at 800-262-2363, option 0 from 8 a.m. to 3 p.m. CT or at [email protected]

Vendor Description Phone Hours Website
Aetna

POS II and Aetna Select, including:

  • Health Advocate Program
  • 24-Hour Nurse Line
  • Behavioral Health (Magellan)
  • Cancer Support Center
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
  • Cancer and chronic conditions support
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
  • Behavioral 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)
  • Diabetes prevention and weight loss
omadahealth.com/exxonmobil
Hinge Health
(Aetna & Cigna)

BEGINNING JANUARY 2022

  • Musculoskeletal support and digital physical therapy
855-902-2777 hingehealth.com/exxonmobil
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

All options under the ExxonMobil Medical Plan (EMMP) meet the requirements of the Patient Protection and Affordable Care Act (PPACA) and are no longer grandfathered.

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.

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.

Medicare Part D Creditable Coverage Notice

For plan participants who are Medicare-eligible, the prescription drug coverage offered under the plan is considered to be “creditable” or “as good as” Medicare Part D coverage. For more information, a Creditable Coverage Notice is available on exxonmobilfamily.com

Medicaid and the Children’s Health Insurance Program (CHIP)

If you are eligible for health coverage and cannot afford the monthly premiums, you may qualify for a premium assistance program offered through state Medicaid or CHIP programs. For more information, please refer to the Medicaid and the Children’s Health Insurance Program (CHIP) notice on exxonmobilfamily.com.

Women’s Health and Cancer Rights Act of 1998 Notice

The plan provides benefits for mastectomy-related services including reconstruction and surgery to achieve symmetry between the breasts, prostheses, and complications resulting from a mastectomy (including lymphedema). If you are enrolled in POS A, POS B, or Aetna Select, call Aetna Member Services for more information at 1-800-255-2386; for the Medicare Supplement Plan, call 800-222-3992, and for Medicare Primary Option, call Option (1) 833-595-1012 (TTY: 711). If you are enrolled in CIGNA OAPIN, call CIGNA at 1-800-818-9440 for more information.

Your Rights and Protections Against Surprise Medical Bills

Effective January 1, 2022, the plan provides protection from surprise billing or balance billing when you get emergency care or are treated by an out-of-network provider at an in-network hospital or ambulatory surgical center.  For more information, please refer to the Your Rights and Protections Against Surprise Medical Bills notice on exxonmobilfamily.com.