Index

Eligibility and Enrollment

The Prescription Drug Program

Other Plan Provisions

Accepting Assignment

Covered Expenses

Exclusions

Coordination of Benefits

Claims

Partners in Health

Continuation Coverage

Administrative and ERISA Information

Key Terms

Benefit Summary

ExxonMobil Medicare Supplement Plan SPD
Updated Through 2008

About The Medicare Supplement Plan

This summary plan description (SPD) is a summary of the ExxonMobil Medicare Supplement Plan (the Plan). It does not contain all plan details. In determining your specific benefits, the full provisions of the formal plan documents, as they exist now or as they may exist in the future, always govern. Copies of these documents are available for your review.

The Medicare numbers used in this SPD are current for 2008 but are subject to change. The dollar amounts in the examples are for explanation purposes only and may not reflect what a specific service might cost or how much Medicare and the Plan would pay toward that service.

Information Sources

When you need information, you may contact:

Prescription Drug Program - Claims processor for outpatient prescription drugs provided through mail order for long-term prescriptions or a local retail pharmacy for short-term prescriptions.

*To be able to reach this international access line for Medco, please use the appropriate access number (e.g., AT&T Direct Service) for the country you are calling from.

Another way to locate retail network pharmacies and order refills is via Medco's Web site at www.medco.com.

All Other Medical — The Claims Administrator provides claim forms, claims payment information and advance approval for in-home skilled-nursing care. Claims processor for all medical expenses except outpatient prescriptions.

Benefits Administration — Retirees and survivors can enroll/change coverage on the ExxonMobil Benefits Service Center website at www.exxonmobil.com/benefits. If you are unable to access the Internet or need additional information, you may contact:

ExxonMobil Sponsored Sites — Access to plan-related information including claim forms for employees, retirees, survivors, and their family members.

• ExxonMobil Me, the Human Resources Intranet Site — Can be accessed at work by employees.
• ExxonMobil Family, the Human Resources Internet Site — Can be accessed from home by everyone at www.exxonmobilfamily.com.
• Retiree Online Community Internet Site — Can be accessed from home by retirees and survivors only at www.emretiree.com.
• ExxonMobil Benefits Service Center at ACS Internet Site — Can be accessed from home by everyone at www.exxonmobil.com/benefits.

Introduction

The ExxonMobil Medicare Supplement Plan referred to as the Plan in this SPD is a medical plan for retirees, survivors and their dependents who are eligible for Medicare. It is designed to work with Medicare Parts A and B to give you medical coverage similar to that available to employees and retirees not eligible for Medicare.

The ExxonMobil Medicare Supplement Plan also covers care and supplies such as outpatient prescription drugs, in-home skilled-nursing care and medical care received outside the United States, which are not covered by Medicare Parts A and B; however, if you enroll in a Medicare Advantage (Part C) plan which provides a Medicare prescription drug benefit or Medicare Part D (coverage for prescription drugs), the Plan will not cover any outpatient prescription drugs even if they are not covered under Medicare Part C or D.

While the Plan is designed to work with Medicare Parts A and B, it is not intended to pay all amounts that Medicare does not cover. Benefits payable under the Plan are considered together with the benefits received from Medicare.

The Plan does not involve an insurance policy. All claims are funded by contributions from ExxonMobil, other participating employers and participants. Aetna Life Insurance Company (Aetna) and Medco are paid fees to provide services such as processing claims, answering questions, and managing the pharmacy network and Medco By Mail, the mail-order pharmacy service. Neither Aetna nor Medco has any responsibility for funding benefits under the Plan.

The Plan is described in detail in this SPD. These tools help you find specific information quickly and easily:

• Plan at a Glance, a quick user's guide highlighting plan basics.
• Charts and tables to provide information, examples, highlights of plan provisions, including a Benefit Summary chart.
• References to places where you can find more information.
• A list of Key Terms containing definitions of some words and terms used in this SPD.
• An Index to help you locate specific items.

A careful reading of this SPD will help you understand how the Plan works so you can make the best use of the Plan provisions. You may obtain additional information from the sources shown on page 1.

Plan at a Glance

Eligibility
Retirees and their dependents who are eligible for Medicare may participate. Survivors of retirees or deceased employees may also be eligible once they become Medicare eligible. See page 6.

The Prescription Drug Program
The Plan offers two cost-saving ways to buy outpatient prescription drugs if you are not participating in a Medicare Advantage (Part C) plan which provides a Medicare prescription drug benefit or Medicare Part D — at local participating network pharmacies and through mail order. See page 10.

Other Plan Provisions
You must satisfy an annual deductible of $300 before the Plan starts paying. If you meet your annual out-of-pocket limit of $3,000, the Plan's reimbursement level — when combined with Medicare Parts A and B — is 100% of most covered charges for the rest of that calendar year. The Plan pays up to $3,000,000 in benefits for the lifetime of each covered person. The Plan covers some items Medicare may not — transition benefits from pre-65 medical plans sponsored by ExxonMobil, in-home skilled-nursing care and medical care received outside the United States. See page 17.

Accepting Assignment
If your doctor or other health care providers accept assignment, they accept the amount Medicare approves as payment in full for each service or supply. You must still pay any co-insurance amount. See page 24.

Covered and Excluded Expenses
The Plan provides benefits for many, but not all, types of treatment, care and services. See page 26 for Covered Expenses and page 29 for Exclusions.

Coordination of Benefits
The Plan treats Medicare coverage as another group plan for purposes of coordinating benefits. See page 31.

Claims
All claims should be submitted to Medicare first. If you participate in Medicare Direct, your Medicare Part B claim is automatically forwarded from Medicare to Aetna. If you do not participate in Medicare Direct, you submit the claim along with the Explanation of Medicare Benefits forms to Aetna. See page 33.

Partners in Health
Tools and resources are available to you and your dependents to help you better manage your health care. The health portal, health risk assessment and 24-hour nurse line are available to all Plan participants. See page 36.

COBRA
Your dependents who lose eligibility may continue medical coverage for a limited time in certain circumstances. See page 38.

Administrative and ERISA Information
The Plan is subject to rules of the federal government, including the Employee Retirement Income Security Act (ERISA), not state insurance laws. See page 42.

Key Terms
This is an alphabetized list of words and phrases, with their definitions, used in this SPD. See page 48.

Benefit Summary
Key features of the Plan and Medicare are highlighted. See page 54.

Index
You can use this to locate specific topics described in this SPD. See page 56.