Medical
The ExxonMobil Medical Plan is made up of a POS II option and HMO options, including both self-insured and fully-insured HMOs. If you enroll in any option other than the POS II option, you will receive an additional SPD for that option. Even if you do not enroll in any option, you are still eligible for certain Partners in Health program benefits.
Dental
The ExxonMobil Dental Plan encourages good dental health by paying, within plan limits, for most of the cost of preventive services and part of the cost of many other services, including orthodontia. The Plan offers you the opportunity to use dentists and dental specialists who are part of a preferred provider organization (PPO). You can generally reduce your out-of-pocket expenses while maximizing the annual plan benefits by using this network.
Vision
The Vision Plan encourages preventive eye care by offering coverage for comprehensive eye exams and allowances for lenses and frames or contact lenses. The Vision Plan also provides access to discounts on laser eye surgery.
Eye examinations are an important component to preserving eyesight. Regular eye exams can detect eye problems at their earliest stages when they're most treatable.
Pre-Tax Spending Plan (employees)
The ExxonMobil Pre-Tax Spending Plan allows you to take advantage of significant tax savings in three ways:
1. When you elect coverage under a medical and/or dental plan to which a participating ExxonMobil employer contributes, your required contributions (what you may think of as your premiums) will be on a pre-tax basis, unless you opt out of this feature every year.
2. The Health Care Flexible Spending Account allows you to set aside pre-tax money for the reimbursement of out-of-pocket medical and dental expenses for both you and your dependents.
3. The Dependent Care Flexible Spending Account allows you to set aside pre-tax money for the reimbursement of day care charges provided for your dependent children under age 13 or for a disabled child or adult who lives with you and depends on you financially. This account does not cover medical or dental expenses.
Disability
The ExxonMobil Disability Plan provides income to you when you cannot work due to illness or injury. The Plan covers both short-term and long-term absences from work caused by on- or off-the-job illnesses and injuries. Besides providing income benefits, the Plan also makes a voluntary rehabilitation program available, when appropriate.
Medicare Supplement
The ExxonMobil Medicare Supplement Plan is a medical plan for retirees, survivors and their dependents who are eligible for Medicare. It is designed to work with Medicare to give you medical coverage similar to that available to employees and retirees not eligible for Medicare.
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