There are several conditions for eligibility for the MPO. You must:
- Be an eligible retiree or eligible family member,
- Be enrolled in Medicare Parts A and B and continue to pay any required premiums,
- Provide a Medicare Beneficiary Identifier (MBI), located on your Medicare card to ExxonMobil Benefits Service Center (EMBSC),
- Have a residential U.S. street address on file with CMS,
- Not be enrolled in another group or individual Medicare Advantage plan (Part C)
- Not be enrolled in an individual Medicare Part D prescription drug plan in the open market (Part D). You may only be enrolled in a group Medicare Part D, also referred to as Employer Group Waiver Plan (EGWP) if a former employer enrolls you.
How to enroll
Retirees have three opportunities to enroll in the in the ExxonMobil Retiree Medical Plan:
- At retirement, or
- If you have waived coverage (see Other Employer Sponsored Coverage – Waiving EMRMP) and later lose 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 MPO at any other time, including during annual enrollment. If you are 65 or older at the time of your retirement or you are about to turn 65 while participating in the 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 spouses may be added to your coverage at one of the three enrollment opportunities listed above or if you experience a change in status. Eligible spouses cannot be added to your coverage at any other time, including during annual enrollment.
Post-Retirement changes in status
The following describes all the change in status events that allow changes in status post-retirement that apply to the ExxonMobil Retiree Medical Plan.
Add your spouse and any new eligible family members to the applicable ExxonMobil Retiree Medical Plan option.
Divorce – Retiree and spouse enrolled in ExxonMobil health plans
You must 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 to the applicable ExxonMobil Retiree Medical Plan option.
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 to the applicable ExxonMobil Retiree Medical Plan option.
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 have waived coverage and you or a family member loses eligibility under another employer's group health plan
Enroll yourself and add eligible family members subject to the applicable waiver.
You lose eligibility because of a change in your employment status, e.g., retiree to rehired employee.
Your MPO participation will automatically be suspended at the date of rehire and you will be covered under the ExxonMobil Medical Plan.
You change your US residential address to a Non-US address affecting your eligibility to participate in the MPO
You must remove yourself and all eligible family members from the ExxonMobil Retiree Medical Plan.
You or your spouse become entitled to enroll in Medicare as your primary plan
You or your spouse lose eligibility under the Retiree Medical Plan options and must enroll in the MPO
Your disabled child becomes entitled to enroll in Medicare as their primary plan, even if your child is not actually enrolled in Medicare
You must remove coverage for your child.
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 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 child 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.
For purposes of the MPO, you are an eligible retiree if you attained retiree status from:
- Mobil, or
- Superior Oil Company.
- Expatriates 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 and waive home country health coverage. If you choose not to enroll, there will be no opportunity to enroll at a later point in time during retirement.
Retirees of Station Operators, Inc. doing business as ExxonMobil Company Operated Retail Stores (CORS) are not eligible for coverage under the MPO.
Eligible family members
For purposes of the MPO, 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.
NOTE: A dependent child of a retiree, deceased retiree, or deceased employee is not eligible for coverage under the MPO, with the exception of a grandfathered population of dependent children who were participating in the ExxonMobil Retiree Medical Plan, Medicare Supplement Plan option on December 31, 2018.
A person who becomes the spouse of an eligible retiree after becoming entitled to be enrolled in Medicare may be added to the MPO within 60 days of becoming eligible without demonstrating loss of coverage under another employer-sponsored medical plan. See change in status chart. Family members who are not entitled to be enrolled in Medicare as their primary medical plan may be eligible for coverage under the Retiree Medical Plan option of the ExxonMobil Retiree Medical Plan. See the SPD for the Retiree Medical Plan option for more information.
Enrolling in the MPO
The ExxonMobil Benefits Service Center (EMBSC) and Aetna contact 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 at 1-800-682-2847. This is particularly important if you or your spouse become eligible for Medicare by virtue of disability rather than age. Your enrollment in the MPO is subject to your Medicare Parts A & B effective date that occurs the first of the month in which you turn age 65 (if your birthday is on the first of the month, coverage begins the first of the prior month prior), providing an MBI (Medicare Beneficiary Identifier), providing a physical US address, not be enrolled in other individual or group Medicare Part C, or individual Medicare Part D Prescription drug plan. However, if you do not comply with the requirements listed above by the effective date, you will remain covered under your current medical plan option for a period not exceeding 3 months after your retirement month or the month in which you turn 65.
When you receive your Medicare Beneficiary Identifier (MBI) red, white, and blue ID card, contact the EMBSC at 1-800-682-2847. For the hearing impaired, call 1-800-TDD-TDD4 (1-800-833-8334) and provide EMBSC with your Medicare information to complete your enrollment under the MPO. You’ll first receive a letter directly from Aetna confirming your MPO effective date of coverage, followed by your Aetna Medicare ID card.
If you do not enroll in Medicare Parts A and B and provide your Medicare Beneficiary Identifier (MBI) (located on your Medicare card) to the EMBSC by the end of the third month following either the month you turn age 65 or the month you retire, you and any eligible family members will lose coverage under the ExxonMobil Retiree Medical Plan and you will not have an opportunity to re-enroll at a later date, unless you waive coverage (see Eligibility and Enrollment Section)
When the MPO eligibility ends
Eligibility for the MPO ends:
- When a participant fails to make the required contributions to the MPO (see section Cancellation and Reinstatement Process for more information) or Medicare Parts A or B.
- When you cancel your coverage in writing.
- For a spouse following a divorce.
- For a surviving spouse and stepchildren upon remarriage (all coverage ends under the ExxonMobil Retiree Medical Plan).
- For children (children that were part of the Medicare Supplement Plan by December 31, 2018) upon the marriage of the surviving parent.
- For the surviving spouse and children (children that were part of the Medicare Supplement Plan by December 31, 2018) of an employee who died with less than 15 years of ExxonMobil 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 MPO is terminated or replaced.
If you cancel your coverage or did not properly waive 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.
Cancellation and Reinstatement Process
Cancellation of EMRMP due to non-payment of premiums:
Cancellations due to non-payment of plan premiums will be prospective, with a 3 month grace period starting 1st month of unpaid contributions, so participants may pay owed contributions within that grace period to avoid cancellation. For example, if retiree has not made payments for their January, February, and March premiums during that 3 month timeframe, coverage will be cancelled effective April 1.
Reinstatement of EMRMP:
Once your coverage has been terminated, you can request to be reinstated upon showing good cause. The EMRMP (or its designee) will review requests for reinstatements on a case-by-case basis. If an individual has been involuntarily disenrolled for failure to pay plan premiums, they may request reinstatement no later than 60 calendar days following the effective date of disenrollment.
Reinstatement for good cause will occur only when:
- Reinstatement is requested no later than 60 calendar days following the effective date of disenrollment (in the example, 60 days from April 1)
- The individual has been determined to meet the criteria specified below (i.e., receives a favorable determination); and
- Within three (3) months of disenrollment for nonpayment of plan premiums, the individual pays in full the plan premiums owed at the time they were disenrolled (in the example, within 3 months from April 1).
If you fail to pay premiums within the grace period, your coverage is terminated, and you fail to show good cause, you and your eligible dependents will not have an opportunity to re-enroll at a future date in the EMRMP. You are still responsible for paying all owed premiums incurred during the grace period in which you were still part of the EMRMP.
Requests for reinstatement must be accompanied by a credible statement (verbal or written) explaining the unforeseen and uncontrollable circumstances causing the failure to make timely payment. An individual may make only one reinstatement request for good cause in the 60-day period. Generally, these circumstances constitute good cause:
- A serious illness, institutionalization, and/or hospitalization of the member or their authorized representative (i.e. the individual responsible for the member’s financial affairs), that lasted for a significant portion of the grace period for plan premium payment;
- Prolonged illness that is not chronic in nature, a serious (unexpected) complication to a chronic condition or rapid deterioration of the health of the member, a spouse, another person living in the same household, person providing caregiver services to the member, or the member’s authorized representative (i.e., the individual responsible for the member’s financial affairs) that occurs during the grace period for the plan premium payment;
- Recent death of a spouse, immediate family member, person living in the same household or person providing caregiver services to the member, or the member’s authorized representative (i.e., the individual responsible for the member’s financial affairs); or
- Home was severely damaged by a fire, natural disaster, or other unexpected event, such that the member or the member’s authorized representative was prevented from making arrangement for payment during the grace period for plan premium;
- An extreme weather-related, public safety, or other unforeseen event declared as a Federal or state level of emergency prevented premium payment at any point during the plan premium grace period. For example, the member’s bank or U.S. Post Office closes for a significant portion of the grace period.
There may be situations in addition to those listed above that result in favorable good cause determinations. If an individual presents a circumstance which is not captured in the listed examples, it must meet the regulatory standards of being outside of the member’s control or unexpected such that the member could not have reasonably foreseen its occurrence, and this circumstance must be the cause for the non-payment of plan premiums. The Plan expects non-listed circumstances will be rare.
Examples of circumstances that do not constitute good cause include:
- Allegation that bills or warning notices were not received due to unreported change of address, out of town for vacation, visiting out of town family, etc.;
- Authorized representative did not pay timely on member’s behalf;
- Lack of understanding of the ramifications of not paying plan premiums;
- Could not afford to pay premiums during the grace period; or
- Need for prescription medicines or other plan services.
The EMBSC (ExxonMobil Benefits Service Center) is the appointed designee reviewing reinstatement requests and making good cause determinations.