This 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. CIGNAHEALTH 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.