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Key terms

List of key terms in the ExxonMobil Retiree Medical Plan - Cigna OAPIN Network Only option

Allowable expense

A necessary, reasonable and customary service or expense, including deductibles, coinsurance or copayments, that is covered in full or in part by any Group Health Plan covering you. When a Group Health Plan provides benefits in the form of services, the Reasonable Cash Value of each service is the Allowable Expense and is a paid benefit.

Bed and board

The term Bed and Board includes all charges made by a Hospital on its own behalf for room and meals and for all general services and activities needed for the care of registered bed patients.

Benefit service

Generally, all the time from the first day of employment until you leave the company's employment.

Excluded are:

  • Unauthorized absences,
  • Leaves of absence of over 30 days (except military leaves or leaves under the Federal Family and Medical Leave Act),
  • Certain absences from which you do not return,
  • Periods when you work as a non-regular employee, as a special-agreement person, in a service station, car wash, or car care center operations, or
  • When you are covered by a contract that requires the company to contribute to a different benefit program, unless a special authorization credits the service.

Benefits Administration

The following sets out the contact numbers based on your status under the ExxonMobil Retiree Medical Plan. It is your responsibility to contact the Benefits Service Center with any required notices and address changes. If your status is not listed, call the Benefits Service Center.

Phone Numbers: 
Retirees and survivors call:
ExxonMobil Benefits Service Center
Monday - Friday 8:00 a.m. to 6:00 p.m. (U.S. Eastern Time), except certain holidays 
Toll-Free: 1-800-682-2847 or 800-TDD-TDD4 (833-8334) for hearing impaired

ExxonMobil Benefits Service Center
PO Box 18025
Norfolk, VA 23501-1867

Effective January 2, 2024, Alight will be the new administrator of ExxonMobil’s health, life insurance, and pension plans. If you need assistance, please contact:

ExxonMobil Benefits Service Center
Phone: 833-776-9966
Hours: 8am – 4pm CST, Monday through Friday, except certain holidays
Your Total Rewards portal:

Alight Mobile app  (available through Apple App Store or Google Play)

Dept 02694, PO Box 64116, The Woodlands, TX, 77387-4116

Benefits Administration / ExxonMobil sponsored sites

Access to medical plan-related information including claim forms for employees, retirees, survivors, and their family members.

  • ExxonMobil Family, the Human Resources Internet Site — Can be accessed from home by everyone at
  • Retiree Online Community Internet Site — Can be accessed from home by retirees and survivors only at
  • ExxonMobil Benefits Service Center Internet Site — Can be accessed from home by everyone at


The term "charges" means the actual billed charges; except when the provider has contracted directly or indirectly with Cigna for a different amount.


A person under age 26 who is:

  • A natural or legally adopted child of a retiree,
  • A grandchild, niece, nephew, cousin, or other child related by blood or marriage over whom a retiree or the spouse of a retiree (separately or together) is the sole court appointed legal guardian or sole managing conservator,
  • A child for whom the retiree has assumed a legal obligation for support immediately prior to the child's adoption by the retiree, or
  • A stepchild of a regular retiree.

Child does not include a foster child.

Claim determination period

A calendar year, but does not include any part of a year during which you are not covered under this Cigna Option or any date before this section or any similar provision takes effect.


Your share of medical (including out-patient prescription drugs) and mental health and substance use disorder expenses. For some services, such as hospital stays, your share of expenses will be a percentage of the cost of the service, called coinsurance. For other services, such as routine office visits your share of expenses will be a fixed amount, called a copay.

Custodial care

Care that helps meet personal needs and daily living activities. Such care, even if ordered by a doctor and performed by a licensed medical professional such as a nurse is not covered by the Cigna option. 

Durable medical equipment

Durable Medical Equipment is defined as items which are designed for and able to withstand repeated use by more than one person, customarily serve a medical purpose, generally are not useful in the absence of Injury or Sickness, are appropriate for use in the home, and are not disposable. Such equipment includes, but is not limited to, crutches, hospital beds, wheel chairs, and dialysis machines.

Eligible family members

Eligible family members are generally your:

  • Spouse
  • A child who is described in any one of the following paragraphs (1 through 3):
  1. has not reached the end of the month during which age 26 is attained (even if Medicare eligible), or
  2. is aged 26 or over and is totally and continuously disabled and incapable of self-sustaining employment by reason of mental or physical disability, provided the child:
  • meets the Internal Revenue Service's definition of a dependent, and
  • was covered as an eligible family member under this Plan or the ExxonMobil Medical Plan immediately prior to the birthday on which the child’s eligibility would have otherwise ceased, and
  • met the clinical definition of totally and continuously disabled before such birthday and continues to meet the clinical definition through subsequent periodic reassessment reviews, and
  1. is not eligible to be enrolled in Medicare as their primary medical plan, or  the child is recognized under a qualified medical child support order as having a right to coverage under this Plan.

A child aged 26 or over who was disabled but who no longer meets the requirements of paragraph two (2) above, ceases to be an eligible family member 60 days following the date on which the applicable requirement is not met.

Please note: An eligible retiree's parents are not eligible to be covered.

Emergency medical conditions 

Emergency medical condition means “a medical condition manifesting itself by acute symptoms of sufficient severity (including severe pain) such that a prudent layperson, who possesses an average knowledge of health and medicine, could reasonably expect the absence of medical attention to result in a condition described in Emergency Medical Treatment and Labor Act (EMTALA), such as: (1) placing the health of the individual or with respect to a pregnant woman, the health of the woman or her unborn child, in serious jeopardy; (2) serious impairment to bodily functions; or (3) serious dysfunction of any bodily organ or part.

Emergency services

Emergency services means, with respect to an emergency medical condition, a medical screening examination that is within the capability of the emergency department of a Hospital, including ancillary services routinely available to the emergency department to evaluate the emergency medical condition; and such further medical examination and treatment, to the extent they are within the capabilities of the staff and facilities available at the Hospital, to stabilize the patient.

Out-of-Network Emergency Services Charges

  1. Emergency Services are covered at the In-Network cost-sharing level if services are received from a non-participating (Out-of-Network) provider.
  2. The allowable amount used to determine the Plan's benefit payment for covered Emergency Services rendered in an Out-of-Network Hospital, or by an Out-of-Network provider in an In-Network Hospital, is the amount agreed to by the Out-of-Network provider and Cigna, or if no amount is agreed to, the greatest of the following, not to exceed the provider’s billed charges: (i) the median amount negotiated with In-Network providers for the Emergency Service, excluding any In-Network copay or coinsurance; or (ii) the amount payable under the Medicare program.

The member is responsible for applicable In-Network cost-sharing amounts (any deductible, copay or coinsurance). The member is also responsible for all charges that may be made in excess of the allowable amount. If the Out-of-Network provider bills you for an amount higher than the amount you owe as indicated on the Explanation of Benefits (EOB), contact Cigna Customer Service at the phone number on your ID card.


The term Employer means Exxon Mobil Corporation and participating affiliated companies, who are self-funding the benefits described in this SPD, on whose behalf Cigna is providing claim administration services.

Expense incurred

An expense is incurred when the service or the supply for which it is incurred is provided.

ExxonMobil Medical Plan (Medical Plan)

The Plan sponsored by ExxonMobil, which provides medical benefits for eligible employees and their family members and includes as one option the Cigna option.

ExxonMobil Retiree Medical Plan (EMRMP)

The Plan sponsored by ExxonMobil, which provides medical benefits for eligible retirees, survivors and their family members and includes as one option the Cigna option.


Listing of approved drugs and medications approved in accordance with parameters established by the Pharmacy and Therapeutics Committee.  This list is subject to periodic review and updates.

Free-standing surgical facility

The term Free-Standing Surgical Facility means an institution which generally meets  the following requirements:

  • It has a medical staff of Physicians, Nurses and licensed anesthesiologists,
  • It maintains at least two operating rooms and one recovery room,
  • It maintains diagnostic laboratory and x-ray facilities,
  • It has equipment for emergency care,
  • It has a blood supply,
  • It maintains medical records,
  • It has agreements with Hospitals for immediate acceptance of patients who need Hospital admittance on an inpatient basis, and
  • It is licensed in accordance with the laws of the appropriate legally authorized agency.

Group health plan

Any of the following that provides benefits or services for medical, dental, or vision care or treatment:

  • Group insurance and/or group-type coverage, whether insured or uninsured. This includes prepayment, group practice or individual practice coverage.
  • Coverage under Medicare and other governmental benefits as permitted by law accepting Medicaid and Medicare policies. It does not include any plan when benefits are in excess to those of any private insurance program or other non-governmental program.
  • Medical benefits coverage of group, group-type, and individual no-fault and traditional automobile fault contracts.

Each Group Health Plan or part of a Group Health Plan which has the right to coordinate benefits will be considered a separate Group Health Plan.

Home health aide

The term Home Health Aide means a person who: (a) provides care of a medical or therapeutic nature, and (b) reports to and is under the direct supervision of a Home Health Care Agency.

Home health care agency

The term Home Health Care Agency means a Hospital or a non-profit or public home health care agency which:

  • Primarily provides skilled nursing service and other therapeutic service under the supervision of a Physician or a Registered Graduate Nurse,
  • Is run according to rules established by a group of professional persons,
  • Maintains clinical records on all patients, and
  • Does not primarily provide custodial care or care and treatment of the mentally ill; but only if, in those jurisdictions where licensure by statute exists, that Home Health Care Agency is licensed and run according to the laws that pertain to agencies which provide home health care.

Home Health Care Plan

The term Home Health Care Plan means a plan for care and treatment of a person in his/her home. To qualify, the Plan must be established and approved in writing by a Physician who certifies that the person would require admission to a Hospital or Skilled Nursing Facility if he/she did not have the care and treatment specified in the Plan.

Hospice Care Program

The term Hospice Care Program means:

  • A coordinated, interdisciplinary program to meet the physical, psychological, spiritual and social needs of dying persons and their families;
  • A program that provides palliative and supportive medical, nursing and other health services through home or inpatient care during the illness;
  • A program for persons who have a Terminal Illness and for the families of those persons.

Hospice care services

The term Hospice Care Services means any services provided by: (a) a Hospital, (b) a Skilled Nursing Facility or a similar institution, (c) a Home Health Care Agency, (d) a Hospice Facility, or (e) any other licensed facility or agency under a Hospice Care Program, and is a Medicare approved Hospice Care Program.

Hospice facility

The term Hospice Facility means an institution or part of it which:

  • Primarily provides care for Terminally Ill patients,
  • Is accredited by the National Hospice Organization,
  • Meets standards established by Cigna, and
  • Fulfills any licensing requirements of the state or locality in which it operates.


The term Hospital means:

  • An institution licensed as a hospital, which: (a) maintains, on the premises, all facilities necessary for medical and surgical treatment, (b) provides such treatment on an inpatient basis, for compensation, under the supervision of Physicians, and (c) provides 24-hour service by Registered Graduate Nurses,
  • An institution which qualifies as a hospital, a psychiatric hospital or a tuberculosis hospital, and a provider of services under Medicare, if such institution is accredited as a hospital by the Joint Commission on the Accreditation of Hospitals, or
  • An institution which: (a) specializes in treatment of mental health condition, alcohol or drug abuse or other related illness, (b) provides residential treatment programs, and (c) is licensed in accordance with the laws of the appropriate legally authorized agency.

The term Hospital will not include an institution, which is primarily a place for rest, a place for the aged, or a nursing home.


The term Injury means an accidental bodily injury.


The term Medicaid means a state program of medical aid for needy persons established under Title XIX of the Social Security Act of 1965 as amended.


The term Medicare means the program of medical care benefits provided under Title XVIII of the Social Security Act of 1965 as amended. Prescription drug coverage under the ExxonMobil Medical Plan is considered creditable coverage and the Notice of Creditable Coverage is provided annually.

Mental health conditions

The term "mental health conditions" means any disorder, other than a disorder induced by alcohol or drug abuse, which impairs the behavior, emotional reaction or thought process of a person, regardless of medical origin. In determining benefits payable, charges made for the treatment of any physiological symptoms related to a mental health condition will not be considered to be charges made for treatment of a mental health condition.

Necessary services and supplies

The term Necessary Services and Supplies includes any charges, except charges for Bed and Board, made by a Hospital on its own behalf for medical services and supplies actually used during admission to a Hospital.

The term Necessary Services and Supplies will not include any charges for special nursing fees, dental fees or medical fees.


Providers and facilities that participate in a health maintenance organization available under this Cigna Option.


The term Nurse means a Registered Graduate Nurse, a Licensed Practical Nurse or a Licensed Vocational Nurse who has the right to use the abbreviation R.N., L.P.N. or L.V.N.

Outpatient mental health condition services

Outpatient Mental Illness Services are services of providers who are qualified to treat mental health condition when treatment is provided on an outpatient basis, while you or your eligible/covered Family Member is not admitted in a Hospital, in an individual, group or structured group therapy program. Covered Services include, but are not limited to, outpatient treatment of conditions such as: anxiety or depression which interferes with daily functioning, emotional adjustment or concerns related to chronic conditions, such as psychosis or depression; emotional reactions associated with marital problems or divorce, child/adolescent problems of conduct or poor impulse control; affective disorders, suicidal or homicidal threats or acts; eating disorders, or acute exacerbation of chronic mental health condition conditions (crisis intervention and relapse prevention) and outpatient testing and assessment.

Participating pharmacy

The term Participating Pharmacy means a retail pharmacy or mail-order pharmacy with which Cigna has contracted, either directly or indirectly, to provide prescription services to its plan participants.

Participating provider

The term Participating Provider means:

  • An institution, facility, agency or healthcare professional which has contracted directly or indirectly with Cigna.

The providers qualifying as Participating Providers may change from time to time. A list of the current

Participating Providers will be provided with this booklet.

Pharmacy & Therapeutics (P&T) Committee

A committee of Provider Organization members comprised of Medical providers, Pharmacists, Medical Directors and Pharmacy Directors, which reviews medications for safety, efficacy, cost effectiveness and value. The P & T Committee evaluates medications for addition to or deletion from the Formulary and may also set dispensing limits on medications. Related Services are also reviewed & evaluated.


The term Physician means a licensed medical practitioner who is practicing within the scope of his license and who is licensed to prescribe and administer drugs or to perform surgery. It will also include any other licensed medical practitioner whose services are required to be covered by law in the locality where the services are received if he is:

  • Operating within the scope of his license, and
  • Performing a service for which benefits are provided under this Cigna Option when performed by a Physician.

Prescription drug

Prescription Drug means; (a) a drug which has been approved by the Food and Drug Administration for safety and efficacy, or (b) certain drugs approved under the Drug Efficacy Study Implementation review, or (c) drugs marketed prior to 1938 and not subject to review, and which can, under federal or state law, be dispensed only pursuant to a prescription order, or (d) injectable insulin.

Primary Care Physician

The term Primary Care Physician means a Physician: (a) who qualifies as a Participating Provider in general practice, internal medicine, family practice or pediatrics, and (b) who has been selected by you, as authorized by the Provider Organization, to provide or arrange for medical care for you or any of your covered Family Members.

Primary group health plan

The Group Health Plan that determines and provides or pays benefits without taking into consideration the existence of any other Group Health Plan.

Provider organization

The term Provider Organization refers to a network of Participating Providers.


The term Psychologist means a person who is licensed or certified as a clinical psychologist. Where no licensure or certification exists, the term Psychologist means a person who is considered qualified as a clinical psychologist by a recognized psychological association. It will also include: (1) any other licensed counseling practitioner whose services are required to be covered by law in the locality where the services are received if he is: (a) operating within the scope of his license, and (b) performing a service for which benefits are provided under this plan when performed by a Psychologist, and (2) any psychotherapist while he is providing care authorized by the Provider Organization if he is: (a) state licensed or nationally certified by his professional discipline, and (b) performing a service for which benefits are provided under this plan when performed by a Psychologist.

Reasonable cash value

An amount which a duly licensed provider of health care services usually charges patients and which is within the range of fees usually charged for the same service by other health care providers located within the immediate geographic area where the health care service is rendered under similar or comparable circumstances.


Generally, a person at least 55 years old who retires as a regular employee with 15 or more years of benefit  service or someone who is retired by the company as a regular employee and entitled to long-term disability benefits under the ExxonMobil Disability Plan after 15 or more years of benefit service, regardless of age.

Retirees who have been rehired as non-regular or regular employees are not eligible for the ExxonMobil Retiree Medical Plan.

Retiree Medical Plan (RMP)

One of the parts of the ExxonMobil Retiree Medical Plan which provides medical benefits for Pre-Medicare eligible retirees, survivors and their family members, and includes the Cigna option.

Secondary group health plan

A Group Health Plan that determines, and may reduce its benefits after taking into consideration, the benefits provided or paid by the Primary Group Health Plan. A Secondary Group Health Plan may also recover from the Primary Group Health Plan the Reasonable Cash Value of any services it provided to you.

Self-funded plan

A self-funded plan option, under the ExxonMobil Retiree Medical Plan, is an option set up by ExxonMobil to set aside funds to pay participants’ health claims. Because ExxonMobil has hired insurance companies to administer these self-funded options, they may look just like fully-funded plans. For example, the Cigna option under the  Plan is a self-funded plan.

Cigna is responsible for only administering the plans. (i.e., Cigna is the claims processor for the self-funded plan.) ExxonMobil is responsible for funding the plans to pay health claims. This does not impact the benefits provided under the Cigna Option under the ExxonMobilMedical Plan and ExxonMobil Retiree Medical Plans. The U.S. Department of Labor regulates self-funded plans, not the state insurance department.

You may contact the Department of Labor at the address listed in the ERISA section: Assistance with Your Questions.

Service area

The geographic area designated by the Cigna option in which an individual must live in order to be an eligible member. This area is determined by the participant's home address zip code.

Sickness - for medical coverage

The term Sickness means a physical or mental health condition. It also includes pregnancy. Covered Expenses incurred for routine Hospital and pediatric care of a newborn child prior to discharge from the Hospital nursery will be considered to be incurred as a result of Sickness.

Skilled nursing facility

The term Skilled Nursing Facility means a licensed institution (other than a Hospital) which specializes in:

  • Physical rehabilitation on an inpatient basis, or
  • Skilled nursing and medical care on an inpatient basis,

but only if that institution (a) maintains on the premises all facilities necessary for medical treatment,

(b) provides such treatment, for compensation, under the supervision of Physicians, and (c) provides Nurses' services.

Spouse; marriage

All references to marriage shall mean a marriage that is legally recognized under the laws of the state or other jurisdiction in which the marriage takes place, consistent with U.S. federal tax law. All references to a spouse or a married person shall refer to individuals who have such a marriage.

Survivor/ surviving spouse

A surviving unmarried spouse or child of a deceased ExxonMobil regular employee or retiree.

Terminal illness

A Terminal Illness will be considered to exist if a person becomes terminally ill with a prognosis of six months or less to live, as diagnosed by a Physician.


The scope of “visit” to a participating health care facility expanded to include: the furnishing of equipment and devices, telemedicine services, imaging services, laboratory services, and preoperative and postoperative services, regardless of whether the provider furnishing such items or services is at the facility.

Urgent care

Urgent Care is medical, surgical, Hospital or related health care services and testing which are determined by Cigna, in accordance with generally accepted medical standards, to have been necessary to treat a condition requiring prompt medical attention. This does not include care that could have been foreseen before leaving the immediate area where you ordinarily receive and/or were scheduled to receive services. Such care includes, but is not limited to, dialysis, scheduled medical treatments or therapy, or care received after a Physician's recommendation that the covered person should not travel due to any medical condition

You can search this SPD section by section or click here to create a single searchable document.