This Summary Plan Description (SPD) is your guide to the benefits available through the ExxonMobil Medical Plan Cigna Open Access Plus-In Network (OAPIN) Network Only option (Cigna or Cigna option), administered by Cigna Health and Life Insurance Company (CHLIC). Please read it carefully and refer to it when you need information about how the Cigna option works, to determine what to do in an emergency situation, and to find out how to handle service issues. It is also an excellent source for learning about many of the special programs available to you as a plan participant.
If you cannot find the answer to your question(s) in the guide, call the Customer Service toll-free number on your ID card.
Tips for new plan participants
- Keep this guide where you can easily refer to it.
- Keep your ID card(s) in your wallet.
- Keep your Primary Care Physician’s name and number readily accessible.
- Emergencies are covered anytime, anywhere, 24 hours a day.
This is not an insured Benefit Plan. The benefits described in this booklet or any rider attached hereto are funded by contributions made by participants and participating employers responsible for benefit payments. Cigna Health and Life Insurance Company (CHLIC) provides claim administration services to the Cigna option, but CHLIC does not insure the benefits described.
Cigna offers access to care from participating in network physicians and facilities. You are encouraged to choose a Primary Care Physician (PCP) to coordinate your care, and pay either a copayment or coinsurance (your portion of the charges) for most services, up to an annual out-of-pocket maximum. You don't have to complete a claim form.
References in this document to Cigna refer to Cigna Health and Life Insurance Company (CHLIC), a subsidiary of Cigna Corporation.
This summary plan description (SPD) summarizes the ExxonMobil Medical Plan (the Plan) Cigna OAPIN option. It does not contain all Plan details. The terms and conditions of the Plan are set forth in this SPD, the Plan Document, and the ExxonMobil Benefit Plans Common Provisions. Together, these documents are incorporated by reference into the Plan Document and constitute the written instruments under with the Plan is established and maintained. An amendment to one of these documents constitutes an amendment to the Plan. You may obtain copies of these documents by making a written request to the Administrator-Benefits. ExxonMobil reserves the right to change benefits in any way or terminate the Plan at any time. Where options are governed by federal laws, they will preempt state and local laws.
Unless otherwise noted, if there is a conflict between a specific provision under the Plan Document, the SPD or other written instrument, the Plan Document controls. If the Plan Document is silent on a specific issue, then the SPD controls on that issue, except where the SPD refers to a specific written instrument, in which case the specific written instrument will control. If both the Plan Document, ExxonMobil Benefit Plans Common Provisions, and SPD are silent, the terms of the Plan Document.