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Eligibility and enrollment

Eligibility and enrollment for the ExxonMobil Employee Medical Plan - Cigna OAPIN Network Only option

Eligibility

Most U.S. dollar payroll regular employees of Exxon Mobil Corporation and participating affiliates who work at a location where the ExxonMobil Medical Plan Cigna option is offered and reside in the service area are eligible for this option. The employee's home address zip code is used to determine whether the employee resides in the service area and is therefore eligible for the Cigna option.

Generally you are eligible if:

  • You are a regular employee.
  • You are an extended part-time employee.
  • You are working for ExxonMobil after retirement as a regular or non-regular employee.
  • You are a trainee as described in Key Terms section.

You are not eligible if:

  • You are eligible for coverage under the ExxonMobil Retiree Medical Plan.
  • You participate in any other employer medical plan to which ExxonMobil contributes.
  • You fail to make any required contribution toward the cost of the Plan.
  • You fail to comply with general administrative requirements including but not limited to enrollment requirements.
  • You lost eligibility as described under the Loss of eligibility section.
  • You are an expatriate employee.

Eligible family members

You may also elect coverage for your eligible family members including:

  • Your spouse. When you enroll your spouse for coverage, you may be required to provide proof that you are legally married.
  • Your child(ren) under age 26. Coverage ends at the end of the month in which they reach age 26. If your situation involves a family member other than your biological or legally adopted child, contact Benefits Administration.
  • Your totally and continuously disabled child(ren) who is incapable of self-sustaining employment by reason of mental or physical disability that occurred prior to otherwise losing eligibility at age 26 and meets the Internal Revenue Service's definition of a dependent.

More complete definitions of Eligible Family Members and Child appear in the Definitions section of this guide and in the definition of Qualified Medical Child Support Order.

Special eligibility rules

A person who otherwise is not a spouse but who, as a dependent of a former Mobil employee who participated in or received benefits under a Mobil-sponsored plan or program prior to March 1, 2000, is considered an eligible family member as long as that person's eligibility for coverage as a dependent under a Mobil-sponsored plan would have continued.

Classes of coverage

You can choose coverage as an:

  • Employee only,
  • Employee and spouse,
  • Employee and child(ren), or
  • Employee and family.

There are also classes of coverage for extended part-time employees, and employees on certain types of leave of absence.

Each class of coverage described in this section has its own contribution rate. Employees contribute to the Medical Plan through monthly deductions from their pay on a pre-tax or after-tax basis.

For employees on an approved leave of absence, their contribution rate will change from the employee contribution rate to the Leave of Absence contribution rate as shown in the table below.

Leave of Absence Contribution Rate Begins Immediately No later than
after 6 months
No later than after 12 months
Type of Leave
Military (voluntary)    
Civic Affairs    
Health / Dependent Care    O  
Education    O  
Personal      O

Double coverage

No one can be covered more than once in the ExxonMobil Medical Plan. You and a family member cannot both enroll as employees and elect coverage for each other as eligible family members. If you and your spouse or adult child work for the company you may both be eligible for coverage. Each of you can be covered as an individual, or one of you can be covered as the employee and the other can be an eligible family member. Also, if you and your spouse have children, each child can only be covered by one of you.

In addition, a marriage between two ExxonMobil employees does not allow enrollment or cancellation in any of the ExxonMobil health plans. In order to change your coverage, you need to wait until you experience a change in status that allows coverage changes or annual enrollment.

Enrollment

How to enroll

As a newly hired employee, if you complete your enrollment in the Medical Plan within 30 days of your start date, coverage begins the first day of employment. If you enroll between 31 and 60 days from your date of hire, coverage will be effective the first day of the month following completion of enrollment in EDA or receipt of enrollment forms by Benefits Administration.  If you enroll in the Cigna option, your eligible family members can only enroll in this option.

If you are eligible for the ExxonMobil Pre-Tax Spending Plan, you will be enrolled to pay your monthly contributions on a pre-tax basis unless you annually decline this feature. Your monthly pre-tax contributions and class of coverage must remain in effect for the entire plan year, unless you experience a change in status. (See Annual enrollment and Changing your coverage sections.)

As a current employee, if you are not covered by a medical plan to which ExxonMobil contributes you may enroll at the next annual enrollment. You may also enroll if you experience a corresponding change in status. Coverage is effective the first of the month following completion of enrollment in EDA or receipt of the forms by Benefits Administration. 

You may be requested to provide documents at some future date to prove that the family members you enrolled were eligible (e.g., marriage certificate, birth certificate). If you fail to provide such requested documents within the required time period, coverage for the family members will be cancelled the first of the following month and you may be subject to discipline up to and including termination of employment for falsifying company records.

If you have originally enrolled in other group health plan coverage and you/your family members lose eligibility (or the employer stops contributing toward you and/or your family member(s) coverage), you may enroll yourself or your family members in any available EMMP option. In addition, you may enroll yourself or your family members in any available Medical Plan option within 60 days after marriage (with coverage effective the first of the following month) or after birth, adoption or placement for adoption (with coverage retroactive to the birth, adoption or placement for adoption).

You must enroll each new child for them to be covered, even if you already have family coverage.

Under the Children's Health Insurance Program (CHIP) Reauthorization Act of 2009 you may change your Medical Plan election for yourself and any eligible family members within 60 days of either (1) termination of Medicaid or CHIP coverage due to loss of eligibility, or (2) becoming eligible for a state premium assistance program under Medicaid or CHIP coverage. In either case, coverage is effective the first of the month following completion of enrollment or receipt of the forms by Benefits Administration.

Annual Enrollment

Each year, during the fall, ExxonMobil offers an annual enrollment period. During this time, you can switch from your current option to another available option. This is also the time to make changes to coverage by adding or deleting family members. Family members may be added or deleted for any reason but they must be deleted if they are no longer eligible. Changes elected during annual enrollment take effect the first of the following year.

NOTE: You should not wait until annual enrollment to remove a family member who loses eligibility; they should be removed at the time eligibility is lost. For consequences for covering an ineligible family member, see Loss of eligibility.

Employees are automatically enrolled in the Pre-Tax Spending Plan to pay monthly contributions on a pre-tax basis unless this feature is declined.  This choice is only available during the annual enrollment period or with a change in status.

If you do not want to make any changes, you don’t have to do anything during annual enrollment to continue with your current plan selection for the following year. However, if you want to participate in a Flexible Spending Account (FSA), you must enroll each year, even if you are currently enrolled in an FSA.

If you pay your monthly contributions on an after-tax basis and would like to continue making contributions on an after-tax basis for the following year, you must elect to do so each year during annual enrollment and after each change in status. Otherwise, your contributions will be switched to a pre-tax basis beginning the first day of the following year.

During annual enrollment, changes to your Medical Plan coverage (option or contributions) do not automatically adjust your coverage or contributions to other plans such as the ExxonMobil Dental Plan, ExxonMobil Vision Plan or the flexible spending accounts under the ExxonMobil Pre-Tax Spending Plan. Changes to those plans must be made separately during annual enrollment.

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