Q. Who is a covered person in the Plan?
A) Prior to January 1, 2021 "Covered person" means a person who:
- is eligible for Medicare,
- is an eligible retiree, eligible family member, or a survivor,
- complies with any administrative requirements of this Plan,
- makes any required contribution toward the cost of this Plan; and
- who either:
- (a) enrolls in the Plan within sixty (60) days immediately following the loss of coverage under an employer-sponsored group medical plan (see Loss of Coverage under employer-sponsored group medical plan); or
- (b) in the case of an individual who becomes an eligible family member by virtue of the marriage of that person or that person's parent to a retiree is enrolled in the Plan within 30 days of marriage.
Exception: A person who becomes the spouse of an eligible retiree after becoming entitled to be enrolled in Medicare may be added to the MSP option within 60 days of becoming eligible without demonstrating loss of coverage under another employer-sponsored medical plan.
Loss of coverage under employer-sponsored group medical plan:
You should have been covered by an employer-sponsored group medical plan immediately before Plan eligibility. You will have to show loss of coverage under an employer sponsored group medical plan (any group medical plan sponsored by either the Corporation or another employer) to enroll any time after your Medicare eligibility. You have 60 days from the date of loss of coverage under an employer sponsored group medical plan to provide documentation of loss of this coverage and enroll in the Medicare Supplement Plan option. If you do not enroll within 60 days from your loss of coverage you will not have another opportunity to enroll.
B) On or after January 1, 2021 through December 31, 2021 "Covered person" means a person who:
- is eligible for Medicare;
- is a retiree, an eligible family member or a survivor;
- complies with any administrative requirements of this Plan;
- makes any required contribution toward the cost of this Plan; and
- is not eligible to be enrolled in the Medicare Primary Option or is enrolled in other Medicare Advantage (Part C) coverage.
C) On or after January 1, 2022 through June 30, 2022 "Covered person" means a person(s) who prior to January 1, 2022 was identified as being part of a closed group of existing MSP participants who:
- is not eligible to be enrolled in the Medicare Primary Option (MPO) as the result of being eligible for Medicare but not enrolled in Medicare Parts A and/or B; or
- is not eligible to be enrolled in the MPO as the result of not having a U.S. residential street address.
- This transition population will be required to meet all eligibility requirements to enroll in MPO or lose coverage under the EMRMP effective July 1, 2022.
Note: A covered person is not eligible for the pharmacy benefits under this Plan if they are enrolled in a Medicare Part D prescription drug plan
For purposes of the Plan, you are an eligible retiree if you attained retiree status from:
- Mobil, or
- Superior Oil Company.
- Former expatriate employees assigned to the U.S. who retired on or after July 1, 2020, had a company-sponsored Permanent Resident Visa (PRV), elected to maintain their PRV, and continue to reside in the U.S
- Retirees of Station Operators, Inc. doing business as ExxonMobil Company Operated Retail Stores (CORS) are not eligible for coverage under this plan.
Eligible family members
For purposes of the Medicare Supplement Plan option, eligible family members who are also eligible to be enrolled in Medicare as their primary medical plan include:
- The spouse of an eligible retiree.
- The surviving spouse, who has not remarried, of a deceased eligible retiree or deceased employee.
- The child of an eligible retiree, deceased eligible retiree, or deceased employee who was enrolled in the MSP on December 31, 2018 and continues to be enrolled in the MSP.
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).
Family members who are not entitled to be enrolled in Medicare as their primary medical plan may be eligible for coverage under one of the Retiree Medical Plan options of the ExxonMobil Retiree Medical Plan. See the SPD for the Retiree Medical Plan option of your choice for more information.
Eligibility for Medicare
In general, you are eligible for Medicare if you are at least 65 years of age or have received Social Security disability benefits for 24 consecutive months. Anyone, including children, can be eligible for Medicare by virtue of a disability as described in the Key terms section of this SPD.
No one becomes eligible for Medicare as the dependent of someone who is eligible for Medicare. For example:
- If you are 65 years of age and your spouse is 61 and not disabled, you are eligible for Medicare but your spouse is not, or
- If you are under age 65 and not disabled and have a spouse either over 65 or eligible due to disability, your spouse is eligible for Medicare but you are not.
Enrolling in Medicare
If you are receiving Social Security benefits, your Social Security office should contact you with information about Medicare before your 65th birthday. If you are not receiving Social Security benefits or if you have not been contacted by Social Security and are nearing your 65th birthday, contact your local Social Security office. To receive maximum benefits from the Plan and Medicare, you must enroll in both:
- Part A covers hospital care and care in a skilled-nursing facility. There is no premium for most Part A participants.
- Part B covers physician bills and some out-of-hospital expenses. A premium for Part B is deducted from your Social Security check. Contact Medicare for current premium information.
If your spouse worked in a job not covered by Social Security or did not work long enough to qualify for free Part A coverage, the Plan pays full benefits with or without Part A coverage. The spouse must, however, sign up for Part B to receive maximum benefits.
Enrolling in Medicare Advantage (Part C) or Medicare Part D
Participants who choose to enroll in a Medicare Advantage (Part C) plan which provides a Medicare prescription drug benefit or Medicare Part D Prescription Drug Plan will no longer be eligible for outpatient prescription drug coverage under the Plan. If you enroll in a Medicare Part C plan which provides a Medicare prescription drug benefit or Part D program and continue your plan participation, your required contributions remain the same, but you will not be eligible for outpatient prescription drug benefits under the Plan.
Questions about Medicare?
Contact Social Security Administration:
- Call toll free 800-772-1213.
- Access the website at www.socialsecurity.gov.
Enrolling in the plan
The ExxonMobil Benefits Service Center (EMBSC) contacts retirees and their spouses and surviving spouses shortly before their 65th birthdays. If you have not been contacted by the time you become eligible for Medicare, contact the EMBSC. This is particularly important if you become eligible for Medicare by virtue of disability rather than age. You should also contact the EMBSC when your child or spouse becomes eligible for Medicare.
Important notice about becoming Medicare-eligible
Retirees or survivors or covered family members of a retiree or survivor who become eligible to be enrolled in Medicare either due to age or Social Security disability status, are no longer eligible to participate in the Retiree Medical Plan (POS II options, Aetna Select, or Cigna OAPIN Network Only options).
NOTE: Effective January 1, 2019, a dependent child 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, including the MSP option, or any other ExxonMobil health plan.
If you have applied for Medicare Part B, but are not yet enrolled, then Part B claims will be reimbursed at 80% of Reasonable and Customary until Part B becomes effective but no later than the next possible Part B effective date. For example, applying during an upcoming January - March Medicare enrollment period for a July 1 effective date. As such, you will be responsible for the 20% coinsurance and amounts that are over Reasonable and Customary limits during this transition period. However, if you decline Medicare Part B, or do not enroll in Medicare Part B at the first available opportunity, then you will be responsible for the portion of your claims that Part B would have covered from that point forward until you enroll in Medicare Part B.
Don't be without coverage!
Notify the ExxonMobil Benefits Service Center as soon as you or your family members receive notice of eligibility for Medicare Parts A and B due to either age or disability.
When plan eligibility ends
Eligibility for the Plan ends:
- When a participant fails to make the required contributions.
- When you cancel your coverage in writing.
- For a spouse following a divorce.
- For a surviving spouse and stepchildren upon remarriage.
- For children upon the marriage of the surviving parent.
- For the surviving spouse and children of an employee who died with less than 15 years of ExxonMobil benefit service after a period from the date of death equal to twice the deceased employee's length of ExxonMobil benefit service.
- If, at some future date, the Plan is terminated or replaced.
If you cancel your coverage, you will not be allowed to re-enroll in the future. Also, if you are not covered under this or another medical plan to which ExxonMobil contributes, your otherwise eligible family members cannot continue coverage under any ExxonMobil medical plans.