About the Medical Plan

This summary plan description (SPD) summarizes the ExxonMobil Medical Plan (the Plan) Aetna Point of Service POS II A and B options. 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. 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.  These options are governed by federal laws, not by state insurance laws.

Both Aetna POS II options are self-funded. There is no insurance company to collect premiums or underwrite coverage. Instead, contributions from you and ExxonMobil pay all benefits. Prior claims experience and forecasted expenses are used to determine the amount of money needed to pay future benefits. 

Applicability to represented employees is governed by collective bargaining agreements and any local bargaining requirements.

Please read it carefully and refer to it when you need information about how the Plan works. If you cannot find the answer to your question(s) in this SPD, refer to the Information sources section, where you will be able to find the appropriate contact to support your needs.

This summary plan description (SPD) summarizes the ExxonMobil Medical Plan (the Plan) Aetna POS II A and B options. 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 controls.