Most U.S. retirees, survivors and their eligible family members who reside in the Cigna service area are eligible for this Cigna option. The retiree’s home address zip code is used to determine whether the retiree resides in the service area and is therefore eligible for the Cigna option.
Generally you are eligible if:
- You are a retiree.
- You are a survivor/surviving spouse, which means an eligible family member of a deceased retiree, or employee.
- You are a Long Term Disability Retiree and are not eligible to be enrolled in Medicare Part A or B.
- You are an Expatriate with U.S. Company-sponsored green card (also called permanent resident visas or PRVs) who retires/retired at the end of your current U.S. assignment on or after July 1, 2020 and remain in the U.S. with a valid PRV. If you choose not to enroll, there will be no opportunity to enroll at a later point in time during retirement.
You are not eligible if:
- You participate in any other employer medical plan to which ExxonMobil contributes.
- You are eligible for coverage under the ExxonMobil Medical Plan.
- 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 eligible to be enrolled in Medicare.
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 (even if Medicare eligible). 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, call the ExxonMobil Benefits Service Center.
- Your totally and continuously disabled child(ren) aged 26 or over who is incapable of self-sustaining employment by reason of mental or physical disability that occurred prior to otherwise losing eligibility, meets the Internal Revenue Service's definition of a dependent, and is not eligible to be enrolled in Medicare as their primary medical plan.
- A child or spouse of a Medicare-eligible retiree or survivor enrolled in the Medicare Supplement Plan or Medicare Primary Option, as long as that spouse or child (aged 26 or over) is not eligible to be enrolled in Medicare.
If you, your dependent, or your spouse become eligible for Medicare, you need to give notice of this event to the ExxonMobil Benefits Service Center (EMBSC) for purposes of benefits coordination.
Effective January 1, 2019, a totally and continuously disabled child over age 26 of a retiree, deceased retiree, or deceased employee who is entitled to be enrolled in Medicare as their primary medical plan is not eligible for coverage under the ExxonMobil Retiree Medical Plan, or any other ExxonMobil health plan available to retirees (such as Dental and Vision coverage).More complete definitions of Eligible Family Members and Child appear in the Definitions section of this guide.
A person who becomes a retiree due to incapacity within the meaning of the ExxonMobil Disability Plan and who begins long-term disability benefits under that plan, but whose benefits stop because the person is no longer incapacitated, is a suspended retiree and not eligible for coverage until the earlier of the date the person:
- Reaches age 55, or
- Begins their benefit under the ExxonMobil Pension Plan at which time the person is again considered a retiree and may enroll.
The family members of a deceased suspended retiree will be eligible for coverage under this Cigna OAPIN Option only after the occurrence of the earlier of the following:
- The date the suspended retiree would have attained age 55, or
- The date a survivor/surviving spouse begins receiving a benefit due to the suspended retiree's accrued benefit from the ExxonMobil Pension Plan.
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:
- Individual Only (Retiree, Spouse, Surviving Spouse, Surviving Child),
- Retiree and spouse,
- Individual and child(ren), or
- Retiree and family.
There are also classes of coverage for surviving spouses and family members of deceased employees and retirees, and spouses and family members of retirees covered by the Medicare Primary Option (MPO).
Each class of coverage described in this section has its own contribution rate. Retirees and survivors receiving monthly benefit checks from ExxonMobil pay by deductions from these checks on an after-tax basis. Other retirees or survivors and participants with continuation coverage pay by check or by monthly draft on their bank account.
No one can be covered more than once in the ExxonMobil Retiree Medical Plan. You and a family member cannot both enroll and elect coverage for each other as eligible family members. If you and your spouse or adult child are both retirees you may both be eligible for coverage. Each of you can be covered as an individual retiree, or one of you can be covered as the retiree 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.
How to enroll
Effective January 1, 2019, retirees have three opportunities to enroll in the ExxonMobil Retiree Medical Plan:
- At retirement, or
- If you waived coverage (see Other Employer Sponsored Coverage – Waiving EMRMP) and later lost coverage under another employer coverage, or
- When first eligible to be enrolled in Medicare as your primary plan.
There is no opportunity to enroll yourself in the Plan at any other time, including during annual enrollment. If you are under 65 at the time of your retirement or you are about to turn 65 while participating in the ExxonMobil Retiree Medical Plan option, and have other employer coverage, you must waive coverage to maintain eligibility (please refer to the Other Employer Sponsored coverage - Waiving EMRMP section).
Eligible family members may be added to your coverage at one of the three enrollment opportunities listed above or if you experience one of the following changes in status. Eligible family members cannot be added to your coverage at any other time, including during annual enrollment.
All enrollments must be completed within 60 days of the enrollment event. Coverage is effective the first of the month following receipt of your election by the ExxonMobil Benefits Service Center (EMBSC), except in the case of a birth or adoption of a child when changes will be effective on the date of the birth or adoption.
You can enroll either online or by phone. To enroll online, go to www.exxonmobil.com/benefits. To enroll by phone, call the ExxonMobil Benefits Service Center at 800-682-2847.
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. If you enroll family members who are not eligible for the Plan, for instance, by covering children who do not meet the eligibility requirements, you may lose eligibility for yourself and your family under all ExxonMobil health plans.
You may cancel your coverage at any time; however, you may not re-enroll unless you experience one of the enrollment opportunities listed above. Coverage will be terminated at the end of the month in which your elected change has been received.
Eligible family members may also be removed from your coverage at any time; however, they may not be reinstated unless you experience a corresponding change in status or you wait until one of the enrollment opportunities listed above.
Note: You are required to remove family members who are no longer eligible for coverage at the time of loss of eligibility. To remove an ineligible family member (a divorced spouse for example), you are required to notify the ExxonMobil Benefits Service Center within 60 days of the loss of eligibility or your ineligible family members will not be entitled to COBRA benefits continuation. If you fail to notify the ExxonMobil Benefits Service Center, you may lose eligibility for yourself and your family under all ExxonMobil health plans. In addition, you will be required to reimburse the Plans for any claims paid after the loss of eligibility for any ineligible person(s).
Post-Retirement changes in status
If this event occurs...
As a retiree you may...
Add your spouse and any new eligible family members.
Divorce – Retiree and spouse enrolled in ExxonMobil health plans
You are required to remove coverage for your former spouse and any stepchild(ren).
Divorce – Retiree loses coverage under spouse’s health plans
Enroll yourself and add other eligible family members who might have lost eligibility for spouse’s plan.
Gain a family member through birth, adoption or placement for adoption, sole court appointed legal guardian, or sole managing conservator
Add new eligible family members.
Death of a spouse
You must remove coverage for any stepchild(ren) unless you are their court appointed legal guardian or sole managing conservator.
If you waive coverage and you or a family member loses eligibility under another employer's group health plan
Enroll yourself and add eligible family members.
You lose eligibility because of a change in your employment status, e.g., retiree to rehired employee.
Your ExxonMobil Retiree Medical Plan participation will automatically be suspended at the date of rehire and you will be covered under the ExxonMobil Medical Plan.
You gain eligibility because of a change in your employment status, e.g., employee to retiree.
Enroll yourself and add eligible family members.
You change your residence affecting your eligibility to participate in your elected ExxonMobil Retiree Medical Plan option
Change your ExxonMobil Retiree Medical Plan option.
You or your spouse become entitled to enroll in Medicare
You or your spouse lose eligibility under the ExxonMobil Retiree Medical Plan options but may enroll in the Medicare Primary Option (MPO).
Your disabled child (aged 26 or over) becomes entitled to enroll in Medicare as their primary coverage, whether or not they enroll in Medicare
Your child loses eligibility under the ExxonMobil Retiree Medical plans.
Judgment, decree, or other court order requiring you to cover a family member.
Add new eligible family members.
Other Employer Sponsored coverage – Waiving EMRMP
There are important changes to the ExxonMobil Retiree Medical Plan (EMRMP) relating to waiving coverage. Please read this section carefully, as there may be an impact on your future coverage. Effective January 1, 2023, a new waiver process is in place to provide retirees and eligible family members with the option to waive coverage under the EMRMP when you or your eligible family members choose to participate in other employer-sponsored coverage. By completing the waiver, you will reserve your right to participate in the EMRMP at a later date upon proof of loss of coverage in the other employer’s plan, as long as the EMRMP is still available at that time. See scenarios below and how the waiver and reservation of rights apply:
How to Waive EMRMP Coverage at the Time of Your Retirement
If you have been actively participating in the ExxonMobil Medical Plan or the ExxonMobil International Medical and Dental Plan at the time of your retirement and you have access to other employer-sponsored coverage through either your own active employment or as a dependent of your spouse’s active employment, you/your spouse can choose to waive EMRMP coverage and reserve your right to participate upon the loss of such other coverage.
You must waive EMRMP coverage no later than 60 days from your retirement effective date. There are 2 ways to waive: you can contact the EMBSC at 1-800-682-2847 and indicate you want to waive, or you may also waive online in the EM Benefits portal by choosing the qualifying event named “Other Employer Sponsored Coverage”.
In order to enroll at a later date, you and/or your spouse will need to provide proof of loss of coverage and meet the following requirements:
- If you (and/or your spouse) lose other employer-provided coverage and you or your spouse are under 65 years of age, you have 60 days from loss of coverage to enroll in any of the ExxonMobil Retiree Medical Plan options (Aetna POS II A or B, Aetna Select, Cigna OAPIN) of the EMRMP.
- If you (and/or your spouse) lose coverage and are 65 years of age or over, you or your spouse will have 90 days from loss of coverage to enroll in the Medicare Primary Option (MPO) of the EMRMP. Please refer to section of Eligibility and Enrollment of the Medicare Primary Option for a list of the MPO requirements. You must meet each of the requirements within the 90 days from the loss of coverage.
If you do not meet all requirements to enroll in the applicable option by the deadlines above, you/your spouse will not be eligible to enroll in the EMRMP at a later date.
How to Waive EMRMP Coverage if you Acquire Other Employer-Sponsored Coverage After Retirement
If after you have begun participating in the EMRMP you acquire other employer sponsored health plan coverage through either your own active employment or as a dependent of your spouse’s active employment, you/your spouse can notify the EMRMP by contacting the EMBSC of your change in status and waive coverage under the EMRMP. There are 2 ways to waive: you can contact the EMBSC at 1-800-682-2847 and indicate you want to waive, or you may also waive online in the EM Benefits portal by choosing the qualifying event named “Other Employer Sponsored Coverage”. You must waive no later than 60 days from loss of coverage from the EMRMP.
You/your spouse can then enroll in the EMRMP at a later date when the other employer sponsored health plan ends, with proof of loss of coverage. As described in subsections 1 and 2, above.
Important note: A waiver form is different from a cancellation form, while the waiver form allows you to preserve your eligibility for future enrollment (if the EMRMP is still an available option at that time), the cancellation form is final and you will no longer be eligible to enroll in any of the EMRMP options at a later date.
Dependent Children/Disabled Dependents
If your dependent child is participating in other-employer sponsored coverage at the time of your retirement or during your retirement and the child is under the age of 26, this children will be eligible upon the proof of loss of coverage to participate in the EMRMP and no waiver form is needed, assuming the child meets eligibility criteria.
No waiver process is available for dependents who were participating the EMMP or EMRMP as a disabled dependent over the age of 26 and who terminate coverage anytime at or after your retirement. Once a disabled dependent’s coverage is terminated for loss of eligibility or otherwise, the over age 26 child will not be eligible to participate in the EMRMP at a later date.
If you are a surviving spouse or surviving family member participating in the EMRMP, you are not eligible to waive coverage and reserve your right to participate at a later date when you acquire other employer-sponsored coverage or are hired by ExxonMobil.
Changes at retirement
If you were enrolled in the ExxonMobil Medical Plan, your enrollment and your covered family members will transfer to the ExxonMobil Retiree Medical Plan. If you were enrolled in the Cigna option, as an employee, you will maintain your claims, deductibles and out-of-pocket history as a retiree. However, you will pay your contributions on an after-tax basis via payroll deduction (if eligible), check, or bank draft.
If you are not covered by a medical plan to which ExxonMobil contributes and would like to enroll in the ExxonMobil Retiree Medical Plan, or if you would like to change your ExxonMobil Retiree Medical Plan option, you must do so within 60 days of your retirement date. Coverage is effective the first of the month following receipt of your election by the Benefits Service Center.
Each year, during the fall, ExxonMobil offers an Annual Enrollment period. During this time, you can switch from your current ExxonMobil Retiree Medical Plan option to another available option. Changes elected during annual enrollment take effect the first of the following year.
NOTE: Effective January 1, 2019, retirees cannot enroll in health benefits or add eligible family members during annual enrollment. Eligible family members can only be added to your coverage at one of the enrollment opportunities listed above or if you experience a corresponding change in status.
Do not wait to remove a family member who loses eligibility; they should be removed as soon as their eligibility is lost. For consequences for covering an ineligible family member, see Loss of Eligibility.
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.
Changing your coverage
Changing coverage for the ExxonMobil Retiree Medical Plan – Cigna OAPIN Network Only option
Other situations that may affect your coverage
Change in coverage costs or significant curtailment
If the cost for coverage charged to you significantly increases or decreases during a plan year, you may be able to make a corresponding prospective change in your election, including the cancellation of your election. If you choose to cancel your elected coverage option, you may be able to elect coverage under another ExxonMobil Retiree Medical Plan option. This provision also applies to a significant increase in health care deductible or copayment.
If the cost for coverage under your spouse's health medical plan significantly increases or there is a significant curtailment of coverage that permits revocation of coverage during a plan year and you drop that coverage, you will be able to sign up for medical coverage for yourself and your eligible family members.
Transfer or change residence
If you move from one location to another, and the move makes you no longer eligible for the selected ExxonMobil Retiree Medical Plan option (e.g., move out of the OAPIN service area), you may change from your current Plan option to one that is available in your new location.
Addition or improvement of plan options
If a new ExxonMobil Retiree Medical Plan option is added or if benefits under an existing option are significantly improved during a plan year, you may be able to cancel your current election in order to make an election for coverage under the new or improved option.
Loss of option
If a service area under the Plan is discontinued, you will be able to elect either to receive coverage under another plan option providing similar coverage or to drop medical coverage altogether if no similar option is available. For example, if an option is discontinued, you may elect another option that has service in your area or you may elect to participate in the POS II option. You may also discontinue medical coverage altogether.
If a covered family member lives away from home
Coverage depends on whether the plan option you are enrolled in as a retiree offers service in the area where you live. If your covered family member does not live with you (for instance, you have a child away at school), please contact Cigna Customer Service to confirm whether service is available where your family member lives. (See service area in Key terms.)
If you or your covered spouse become eligible to be enrolled in Medicare
If you are a retiree, you and your family members who are not eligible to be enrolled in Medicare can continue to participate in the ExxonMobil Retiree Medical Plan. When you (as a retiree) or a covered spouse of a retiree becomes eligible to be enrolled in Medicare as your primary plan, you or your spouse will no longer be eligible for the Aetna POS II A/B, Aetna Select and Cigna OAPIN options in the ExxonMobil Retiree Medical Plan, but you may be eligible to enroll in the Medicare Primary Option. If you fail to enroll in the MPO when first eligible, or fail to waive coverage due to being enrolled in another employer sponsored health plan, then you or your covered spouse will not be able to enroll at a later time without proof of having other employer provided medical coverage immediately prior to enrollment.
If you die
If you die while enrolled, your covered eligible family members can continue coverage through the ExxonMobil Retiree Medical Plan. Eligibility continues for your spouse until your spouse remarries, or becomes eligible to be enrolled in Medicare. Upon eligibility to be enrolled in Medicare, your spouse can continue coverage through the Medicare Primary Option (MPO).
Children of deceased employees or retirees may continue participation as long as they are an eligible family member and are not eligible to be enrolled in Medicare as their primary medical plan. If your surviving spouse remarries, eligibility for your stepchildren also ends. Special rules may apply to family members of individuals who become retirees due to disability. See Suspended Retiree below.
If you become a suspended retiree
If you are a retiree and you would otherwise lose coverage because you have become a suspended retiree under the ExxonMobil Disability Plan, you may continue coverage for yourself and all your family members who were eligible for Medical Plan participation before you became a suspended retiree for either 12 or 18 months.
Coverage continues for 12 months from the date coverage would otherwise end if you received transition benefits under the ExxonMobil Disability Plan. However, if you did not receive transition benefits under the ExxonMobil Disability Plan, coverage continues for 18 months from the date coverage would otherwise end. The cost of this continued coverage is 102% of the combined participant and company contributions.