ExxonMobil Medical Plan 
The following chart compares coverage for services under the four medical plan options available.
U.S. expatriates and U.S. impatriates: review your ExxonMobil International Medical and Dental plan information.
POS II A Option | POS II B Option | Aetna Select | Cigna OAPIN | |||
---|---|---|---|---|---|---|
In-network you pay* | Non-network you pay | In-network you pay* | Non-network you pay | Network only you pay | Network only you pay | |
Annual deductible | ||||||
|
$500 | $700 | $300 | $400 | $0 | $0 |
|
$1,000 | $1,400 | $600 | $800 | $0 | $0 |
Preventive Care | $0 | $0 | $0 | $0 | $0 | $0 |
|
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Office visit | ||||||
|
$40 copay | 45% | $25 copay | 40% | $25 copay | $25 copay |
|
$60 copay | 45% | $40 copay | 40% | $40 copay | $40 copay |
Telemedicine | $40 copay | — | $25 copay | — | $25 copay | $25 copay |
Urgent care | $60 copay | 45% | $40 copay | 40% | $60 copay | $60 copay |
Emergency care | $100 copay + 25% |
$100 copay + 25% |
$100 copay + 20% |
$100 copay + 20% |
$150 copay | $150 copay |
Inpatient care | $300 deductible + 25% |
$600 deductible + 45% |
$200 deductible + 20% |
$400 deductible + 40% |
10% | 10% |
Outpatient care | 25% after deductible |
45% after deductible |
20% after deductible |
40% after deductible |
10% | 10% |
Annual medical out-of-pocket maximum | (includes Rx) | (includes Rx) | ||||
|
$4,500 | $18,000 | $3,000 | $15,000 | $3,000 | $3,000 |
|
$9,000 | $36,000 | $6,000 | $30,000 | $6,000 | $6,000 |
Prescription drugs — Up to 34-day supply (from participating retail locations) | ||||||
|
30% (up to $60 max) |
30% (up to $50 max) |
$15 copay | 20% (up to $105 max) |
||
|
30% (up to $130 max) |
30% (up to $125 max) |
30% (up to $145 max) |
30% (up to $125 max) |
||
|
50% (up to $200 max) |
50% (up to $200 max) |
45% (up to $165 max) |
45% (up to $135 max) |
||
Prescription drugs — Up to 90-day supply (mail order or participating retail locations) | ||||||
|
25% (up to $120 max) |
25% (up to $100 max) |
$30 copay | 20% (up to $155 max) |
||
|
25% (up to $260 max) |
25% (up to $250 max) |
30% (up to $145 max) |
30% (up to $175 max) |
||
|
45% (up to $400 max) |
45% (up to $400 max) |
45% (up to $165 max) |
45% (up to $200 max) |
||
Annual prescription drug out-of-pocket maximum | ||||||
|
$2,500 | $2,500 | Included in the medical out-of-pocket maximum | |||
|
$5,000 | $5,000 |
*In-network charges apply if you live in a remote location that is considered “out of area.”
For more detailed plan information, see the 2022 Benefits Coverage (SBC) at http://www.exxonmobilfamily.com/ under the Resources Tab.
What’s the difference between Network and Non-Network?
Is there a copay?
Is there a percentage?
Aetna and Cigna negotiate with doctors, hospitals and other providers to charge less for their networks. When you choose a provider who is “in network,” it means you will pay less out of pocket.
POS II A & B: If you see a non-network provider, you will pay a higher coinsurance percentage and will have a higher out-of-pocket maximum. The Plan will only pay up to a maximum amount for each service, and you will be responsible for any outstanding balanced billed by your provider.
Aetna Select and Cigna OAPIN: You will pay the full cost for non-network services.
That’s all you pay. You don’t have to meet the deductible before the plan pays the remaining cost.
You will pay the full cost of the service until you meet your annual deductible (if applicable). Then, you’ll pay the percentage listed (also called coinsurance), and the plan generally pays the remaining cost.
Annual Deductible
The amount you must pay each year before the Plan begins to pay for covered health care expenses you use.
Out-of-Pocket Maximum
The amount of covered medical expenses you pay in one year before the Plan begins paying 100% of eligible expenses.
Preventive Care
Measures taken for disease prevention, as compared to disease treatment
Primary Care Physician (PCP) (Network Only 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.
Class of coverage | Medical (includes prescription drugs and vision) | Dental |
Participant Only | $73 | $27 |
Participant + 1 | $183 | $54 |
Participant + 2 or more | $280 | $81 |