Index

About the Medical Plan

Eligibility and Enrollment

Basic Plan Features

Mental Health and Chemical Dependency Care

Covered Expenses

Exclusions

Payments

Claims

Partners in Health

Continuation Coverage

Administrative and ERISA Information

Key Terms

Benefit Summary

The Prescription Drug Program

Q. Does the Plan cover prescription drugs?

A. Yes. The Plan contains a prescription drug program that offers you two cost-saving ways to buy outpatient prescription drugs. You may buy your prescriptions through:

• A network of local participating retail pharmacies for short-term prescriptions.
• Medco By Mail, the mail-order pharmacy, for long-term or maintenance prescriptions.

Short-Term Prescriptions

A short-term prescription is written for a drug taken for a limited period of time, such as an antibiotic for a specific illness. The Plan generally provides benefits for up to a 34-day supply. See page 29 for special provisions.

You have the choice of filling your prescriptions at:

• A local participating retail pharmacy (part of Medco's extensive network of pharmacies), where you will pay your share of the discounted cost, and there are no claims to file.
• A non-participating retail pharmacy of your choice, where you will pay the full price and file a claim for partial reimbursement of the cost.

Percentage Co-Payment
For prescription drugs purchased at a participating retail pharmacy, you pay a percentage of the discounted cost of the drugs:

Retail Refill Limitation
For the third and subsequent refills of a long-term or maintenance drug, which is a drug you take for an extended period of time, such as for ongoing treatment of diabetes, arthritis, a heart condition or blood pressure, you will pay an additional 25% co-payment. The additional 25% co-payment does not apply to your annual prescription drug out-of-pocket maximum.

How to Obtain Your Prescription or a Refill

• Refills can be obtained if prescribed and needed. You must have used at least 75% of the previous prescription, based on the dosage prescribed, before you can refill and receive plan benefits.
• To receive the discounted price, present your prescription and either your prescription drug identification card or the primary participant's identification number at a participating network retail pharmacy. See the definition for primary participant on page 74.
• The pharmacist enters the prescription and the primary participant's Social Security number or ID number into the pharmacy's computer system to confirm:
  • That the participant or dependent is covered.
  • That it is a covered prescription.
  • The prescription's cost share.
• No claim filing is necessary.

The term Primary Participant refers to the participant whose identification number is used. The primary participant is the employee, retiree, survivor, or individual who elected COBRA coverage. Covered dependents use the primary participant's identification number to access all medical benefits. Be sure to give identification cards or the primary participant's identification number to your spouse and any covered dependents who may live away from home.

Note: Dependents who elect COBRA coverage must use their identification number after the date they enroll as a COBRA participant.

Using a Non-Participating Pharmacy or Not Showing Your Medco ID Card
You are not eligible for a discounted price if you have your prescription filled at a non-participating retail pharmacy or fail to show your prescription drug ID card at a participating network retail pharmacy.

• You pay the full price of the prescription at the time of purchase.
• You must submit a completed Direct Reimbursement Claim Form to Medco within two years following purchase. You may obtain a claim form by accessing the ExxonMobil Family Internet site or by contacting Medco at the number shown in the front of this SPD.
• You will be responsible for:
  • 100% of the difference between the non-discounted and the discounted cost of the prescription (the ineligible cost)
       PLUS
  • Your percentage co-payment portion of the discounted cost

Long-Term Prescriptions

A long-term or maintenance drug is one you take for an extended period of time, such as for ongoing treatment of diabetes, arthritis, a heart condition or blood pressure. The Plan generally provides benefits for up to a 90-day supply. See page 29 for Special Provisions.

Mail-Order Pharmacy Prescriptions
With Medco By Mail, the mail-order pharmacy, you save money and have the convenience of home delivery. Ask the doctor to write a prescription for up to a 90-day supply with appropriate refills. Enclose your original prescription(s) and payment of your percentage co-payment in an envelope. If you are paying by check or money order, you may obtain a calculation of your percentage co-payment from the Medco Web site or by calling Medco directly. If you are paying by credit card, Medco will deduct the appropriate percentage co-payment and you will receive notification of the deduction with your medication. For each prescription filled, you pay:

Your prescription will be delivered to the address on your order form within 14 working days. By law, prescriptions may not be sent outside the U.S.

You may order refills by calling Medco or sending in the refill label provided with your previous order. You may also order refills through Medco's Web site. You should order a refill about three weeks before your current supply will be exhausted, but remember that you must have used at least 75% of the previous prescription based on the prescribed dosage.

Comparing Retail Pharmacy with Medco By Mail

This example shows how you can save money by purchasing long-term medication through Medco By Mail, the mail-order pharmacy.

By purchasing a 90-day supply of this prescription through mail order, you would save $16.20. That is $64.80 a year for one prescription. Note, this example does not include in the calculation the additional 25% co-payment for the third and any subsequent refills from a participating retail pharmacy. Actual savings may be greater.

Covered Prescriptions

The prescription drug program covers drugs, medicines, and supplies that are:

• Obtainable only with a physician's prescription or are specifically covered expenses (see Covered Expenses on page 35).
• Approved by the U.S. Food and Drug Administration for the specific diagnosis.
• Medically necessary.
• Not experimental or investigational.

Generic Drugs
The program encourages consideration of generic alternatives, which are less expensive to you and the Plan. About half of all brand name medications have a generic equivalent available. By law, the brand name and generic medications must meet the same standards for safety, purity, strength and effectiveness. The pharmacist will dispense only generics that receive FDA approval and only if authorized by your doctor.

Note: If both generic and brand name drugs are available to treat your condition, your percentage co-payment amount will depend on which medication you select. If you purchase the brand name drug, you are responsible for paying the generic drug percentage co-payment PLUS the difference in cost between the generic drug and the brand name drug. This difference in cost will not count toward your annual prescription drug out-of-pocket maximum.

Here is an example of how you can save by choosing a generic drug at a retail pharmacy when a brand-name drug is available on the Plan's formulary list of medications.

Available Alternatives
Sometimes, a generic drug or a less expensive brand name drug which provides the same therapeutic effect at a lower cost to you may be available. If so, the network system will inform the pharmacist that a less expensive alternative medication is available to fill your prescription. A pharmacist from the network or Medco By Mail may contact your doctor to discuss the generic or less expensive brand name alternative. If the doctor authorizes a substitution, the pharmacist will dispense it based solely on your doctor's agreement. If Medco By Mail fills a prescription with a generic or an alternative brand name drug, your order will include an explanation of the doctor's change and a credit for any excess percentage co-payment.

The Network Formulary Program
A formulary is a list of commonly prescribed medications within particular therapeutic categories. The drugs on the list have been selected based on their effectiveness and cost.

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To be included in the formulary list, a drug must meet rigorous standards of approval by the Medco Pharmacy and Therapeutic Committee — a group of nationally recognized medical professionals.

It is always up to your doctor to decide which medications to prescribe. You may receive a copy of the network's formulary list to share with your doctor by contacting Medco.

Drug Monitoring Service
All prescriptions, both mail order and retail, are screened by the network's computerized drug monitoring service. This service analyzes all of your prescriptions in the system for potential problems such as adverse drug interactions, drug duplications, and unusually high or low dosages. This monitoring service may also detect if a refill is requested too soon. If a potential problem is detected, the drug monitoring service transmits a message to the pharmacist.

The pharmacist will contact your doctor about the potential problem or otherwise resolve the issue before dispensing the prescription. Of course, your doctor makes the final decision about any change in your prescription or course of treatment.

Special Provisions

In most cases, the pharmacist will fill the prescription according to the doctor's written orders. However, there are some limitations:

• If the prescription is written for an amount that is greater than the Plan covers, the pharmacist will fill the prescription up to the Plan limit. You have the option of buying the additional amount at that time if purchasing at a retail pharmacy, but there is no Plan benefit.
• If the medicine is a controlled substance or if there is a manufacturer's or prescription benefit manager's directive, a smaller amount may be provided.
• You must have used at least 75% of the previous prescription, based on the dosage prescribed, before you can obtain a refill and receive Plan benefits.

Excluded Prescriptions
Prescription medications, including injections, provided in a hospital or in a doctor's office are not covered under the prescription drug program but are covered medical expenses under the POS II option.

When a Prescription Drug Becomes Available Over the Counter
When a prescription medication becomes available over the counter so that it can be purchased without a prescription (at the same strength and for the same use), it will no longer be covered under the Prescription Drug Program. In addition, other drugs in the same therapeutic class may be excluded from the program, but this determination will be made on a case-by-case basis, based on clinical data available at that time.

Coordinating Benefits for Prescriptions
The Medical Plan coordinates benefits with any other group medical plan under which you or your dependents are covered, which is described in more detail on pages 47-48. This information is provided to the prescription drug network.

When a pharmacist reviews your or your dependent's eligibility information in the network system, a code will indicate if your or your dependent has other coverage that should pay benefits first. In these cases, you must first pay according to the primary plan provisions (i.e., you cannot purchase prescriptions using the Medco card or through the Medco By Mail). After the primary plan has paid, you may file a claim for reimbursement of any remaining amount; the procedure is the same as when a non-participating pharmacy is used. The Plan will pay the lesser of what would have been paid under this Plan or the amount not paid by the primary plan.