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Eligibility and Enrollment
- Eligible Retiree
- Eligible Dependents
- Eligibility for Medicare
- Enrolling in Medicare
- When Plan Eligibility Ends
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Eligibility and Enrollment
Q. Who can participate in the Plan?
A. There are three conditions for eligibility for the Plan. You must:
- Be eligible for Medicare;
- Be an eligible retiree
or eligible dependent; and
- Have been covered by any group medical plan to which ExxonMobil
contributes immediately before Plan eligibility.
Eligible Retiree
For purposes of the Plan, you are an eligible retiree if you attained
retiree status from:
- ExxonMobil;
- Exxon;
- Mobil; or
- Superior Oil Company.
You are not eligible to participate in the Plan if you:
- Are a Mobil or Superior Oil retiree
and were neither enrolled in the Comprehensive Medical Expense
Benefit Plan of Mobil Oil Corporation or Superior Oil Medical Plan
at the time of the merger into the ExxonMobil Medical Plan or the
ExxonMobil Medicare Supplement Plan and were never enrolled prior
to the merger; or
- Worked for Mobil Station Operators, Inc. (SOI) or Exxon Company Operated Retail Stores (CORS).
Eligible Dependents
For purposes of the Plan, eligible dependents include:
- The spouse of an eligible retiree.
- The surviving spouse, who has not remarried, of a deceased eligible retiree.
- The surviving spouse, who has not remarried, of a deceased employee.
- The unmarried dependent child of an eligible retiree.
- The unmarried dependent child, whose surviving parent has not remarried,
of a deceased employee or eligible retiree.
- A person who becomes an eligible dependent of an
ExxonMobil eligible retiree by marriage after becoming eligible
for Medicare. To participate in the Plan under this provision,
prior group health coverage is not required. However, the person
must be added as a covered dependent within 30 days of becoming
eligible.
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Remember, if you do not add your new dependents within 30 days of their becoming eligible to participate, they will not be
allowed to enroll in the future.
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Special Rules for Participants of the Comprehensive Medical Expense Benefit Plan of Mobil Oil
Corporation and the Superior Oil Medical Plan
If you or your dependents were participating in the Mobil Plan or the
Superior Oil Medical Plan on March 31, 2004, and you were Medicare
eligible, you are a participant in the Plan effective April 1, 2004. In
addition, individuals who became your eligible dependents (e.g., marriage)
after March 31, 2004, may be eligible.
Eligibility for Medicare
In general, you are eligible for Medicare if you are at least 65 years of age or have received Social Security disability
benefits for 24 consecutive months. Anyone, including children, can be eligible for Medicare by
virtue of a disability as described on page
51.
No one becomes eligible for Medicare as the dependent of someone who is eligible for Medicare.
For example:
- If you are 65 years of age and your spouse is 63 and not disabled, you are eligible for Medicare
but your spouse is not; or
- If you are under age 65 and not disabled and have a spouse either over 65 or eligible due to disability,
your spouse is eligible for Medicare but you are not.
Enrolling in Medicare
If you are receiving Social Security benefits, your Social Security office should contact
you with information about Medicare before your 65th birthday. If you are not receiving Social
Security benefits or if you have not been contacted by Social Security and are nearing your 65th
birthday, contact your local Social Security office. To receive maximum benefits from the Plan
and Medicare, you must enroll in both:
- Part A covers hospital
care and care in a skilled-nursing facility. There is no premium for
most Part A participants.
- Part B covers physician bills and some out-of-hospital expenses. A premium for Part B is deducted from your Social
Security check. Contact Medicare for current premium information.
If your spouse worked in a job not covered by Social Security or did not work long enough to qualify for free Part
A coverage, the Plan pays full benefits with or without Part A coverage.
The spouse must, however,
sign up for Part B to receive maximum benefits.
Enrolling in Medicare Advantage (Part C) or Medicare Part D
Participants
who choose to enroll in a Medicare Advantage (Part C) plan which provides
a Medicare prescription drug benefit or Medicare Part D Prescription Drug
Plan will no longer be eligible for outpatient prescription drug coverage
under the Plan. If you enroll in a Medicare Part C plan which
provides a Medicare prescription drug benefit or Part
D program and continue your Plan participation, your required
contributions remain the same, but you will not be eligible for
outpatient prescription drug benefits under the Plan.
Questions About Medicare?
Contact Social Security Administration:
- Call toll free 800-772-1213.
- Access the Web site at www.socialsecurity.gov.
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Enrolling in the Plan
The ExxonMobil Benefits Service Center (EMBSC) contacts retirees and
their spouses and surviving spouses shortly
before their 65th birthdays. If you have not been contacted by the time you become eligible
for Medicare, contact the EMBSC. This is particularly important if you become
eligible for Medicare by virtue of disability rather than age. You should also contact
the EMBSC when your dependent child or spouse becomes eligible for
Medicare.
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Important Notice About Becoming Medicare-Eligible
Retirees or survivors or dependents of a retiree or survivor who
become Medicare eligible either due to age or Social Security
disability status are no longer eligible to participate in the
ExxonMobil Medical Plan (POS II Options and HMO Options). Medicare
eligible participants must change their Company-provided
coverage from the ExxonMobil Medical Plan to the ExxonMobil Medicare
Supplement Plan and enroll in Medicare Parts A and B. (Note: There
are no HMO options under the ExxonMobil Medicare Supplement Plan).
If you become Medicare eligible and do not enroll in the
ExxonMobil Medicare Supplement Plan, you will be responsible for any
claim expenses you incur from the date of your Medicare eligibility.
Even if you enroll in the ExxonMobil Medicare Supplement Plan, but
choose not to enroll in Medicare Parts A and B, you will receive no
reimbursement from the ExxonMobil Medicare Supplement Plan for claim
expenses that would have been paid by Medicare had you been
enrolled. The ExxonMobil Medical Plan is not available to retirees
and survivors who are Medicare-eligible.
Don't Be Without Coverage!
Notify the ExxonMobil Benefits Service Center as soon as you or your
dependents receive notice of eligibility for Medicare Parts A and B
due to either age or disability.
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If You Cancel Your Coverage
If you cancel your coverage, you will not be allowed to re-enroll in the future. Also, if you are not
covered under this or another medical plan to which ExxonMobil contributes, your otherwise
eligible dependents cannot continue coverage under any ExxonMobil medical plans.
When Plan Eligibility Ends
Eligibility for the Plan ends:
- When a participant fails to make the required contributions.
- When you cancel your coverage in writing.
- For a spouse following a divorce.
- For a surviving spouse and step children upon remarriage.
- For dependent children upon their own marriage or the marriage of the
surviving parent.
- For the surviving spouse and dependent children of an employee who died with less than 15 years of
ExxonMobil benefit service
after a period from the date of death equal to twice the deceased
employee's length of ExxonMobil benefit service.
- If, at some future date, the Plan is terminated or replaced.
| If you cancel your coverage, you will not be allowed to re-enroll in the future. Also, if you are not covered under this or another medical plan to which ExxonMobil contributes, your otherwise eligible dependents cannot continue coverage under any ExxonMobil medical plans.
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