This Summary Plan Description (SPD) is your guide to the benefits available through the ExxonMobil Medical Plan Cigna Open Access Plus-In Network (OAPIN) Network Only option (Cigna or Cigna option), administered by Cigna Health and Life Insurance Company (CHLIC). Please read it carefully and refer to it when you need information about how the Cigna option works, to determine what to do in an emergency situation, and to find out how to handle service issues. It is also an excellent source for learning about many of the special programs available to you as a plan participant.

If you cannot find the answer to your question(s) in the guide, call the Customer Service toll-free number on your ID card.

Tips for new plan participants

• Keep this guide where you can easily refer to it.
• Download myCigna.com app for quick access to digital ID cards .
• Keep your Primary Care Physician’s name and number readily accessible.
• Emergencies are covered anytime, anywhere, 24 hours a day.

Important information

This is not an insured Benefit Plan. The benefits described in this booklet or any rider attached hereto are funded by contributions made by participants and participating employers responsible for benefit payments. Cigna Health and Life Insurance Company (CHLIC) provides claim administration services to the Cigna option, but CHLIC does not insure the benefits described.

Cigna offers access to care from participating in network physicians and facilities. You are encouraged to choose a Primary Care Physician (PCP) to coordinate your care, and pay either a copayment or coinsurance (your portion of the charges) for most services, up to an annual out-of-pocket maximum. You don't have to complete a claim form.

References in this document to Cigna refer to Cigna Health and Life Insurance Company (CHLIC), a subsidiary of The Cigna Group.

This summary plan description (SPD) summarizes the ExxonMobil Medical Plan (the Plan) Cigna OAPIN option. 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.

Information sources

Information sources for the ExxonMobil Medical Plan - Cigna OAPIN Network Only option

When you need information, you may contact:

For claims administration and benefits information

Phone numbers:

Cigna Customer Service
800-818-9440
Available 24 hours a day, 7 days a week

Address:

Cigna
P. O. Box 182223
Chattanooga, TN 37422-7223

You can search for network providers through Cigna.com or by logging into MyCigna.com.

ExxonMobil Benefits Service Center

Participants can enroll/change benefits on this portal and benefit representatives can provide specialized assistance.

Phone numbers:

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

Your Total Rewards portal: digital.alight.com/exxonmobil

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

Address:

ExxonMobil Benefits Service Center
Dept 02694, PO Box 64116, The Woodlands, TX, 77387-4116

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

• EM Connect, — Can be accessed at work by employees (goto/emconnect).
• ExxonMobil Family, the Human Resources Internet Site — Can be accessed by everyone at www.exxonmobilfamily.com. 

Eligibility and enrollment

Eligibility and enrollment for the ExxonMobil Employee Medical Plan - Cigna OAPIN Network Only option

Most U.S. dollar payroll regular employees of Exxon Mobil Corporation and participating affiliates who work at a location where the ExxonMobil Medical Plan Cigna option is offered and reside in the service area are eligible for this option. The employee's home address zip code is used to determine whether the employee resides in the service area and is therefore eligible for the Cigna option.

Generally you are eligible if:

• You are a regular employee.
• You are working for ExxonMobil after retirement as a regular or non-regular employee.
• You are a trainee as described in Key Terms section.

You are not eligible if:

• You are eligible for coverage under the ExxonMobil Retiree Medical Plan.
• You participate in any other employer medical plan to which ExxonMobil contributes.
• 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 an expatriate employee.

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.

• 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, or

       2. is totally and continuously disabled and incapable of self-sustaining employment by reason of mental or physical disability, provided the child:

            a) meets the Internal Revenue Service's definition of a dependent, and

            b) was covered as an eligible family member under this Plan immediately prior to age 26 when the child's eligibility would have otherwise ceased, and    

            c) met the clinical definition of totally and continuously disabled before age 26 and continues to meet the clinical definition through subsequent periodic reassessment reviews, or           

       3. 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 at the end of the month in which the applicable requirement is not met

More complete definitions of Eligible Family Members and Child appear in the Definitions section of this guide and in the definition of Qualified Medical Child Support Order.

The Administrator-Benefits determination of eligibility is final and no appeals are available, including decisions regarding whether a child age 26 or older meets the clinical definition of totally and continuously disabled. All decisions by Cigna confirming a dependent no longer meets the clinical definition of totally and continuously disabled are final.

Coverage tiers

You can choose coverage as an:

• Participant only,
• Participant and spouse,
• Participant and child(ren), or
• Family.

Each coverage tier described in this section has its own contribution rate. Employees contribute to the Plan through monthly deductions from their pay on a pre-tax or after-tax basis.

For employees on an approved leave of absence (LOA), the following will apply:

• Military leaves:
  • Mandatory / Required Military leave: coverage under the Plan continues during the entire duration of the leave at the employee contribution rate. You are not offered COBRA continuation coverage.
  •  Voluntary / Optional Military leave: coverage under the Plan will continue for up to 12 at the employee contribution rate. At the end of the 12 month period, your coverage under the Plan will end and you will have the opportunity to elect COBRA. The LOA does not count towards the duration of time you are eligible for COBRA.

   

• Health/Dependent Care leave: coverage under the Plan will continue for up to 6 months at the employee contribution rate. At the end of the 6 month period, your coverage under the Plan will end and you will have the opportunity to elect COBRA. The LOA does not count towards the duration of time you are eligible for COBRA.
• Personal Leave: coverage under the Plan will continue for up to 12 months at the employee contribution rate. At the end of the 12 month period, your coverage under the plan will end and you will have the opportunity to elect COBRA. The LOA does not count towards the duration of time you are eligible for COBRA.

If you take a leave of absence (LOA), you will pay your health plan contributions on a after-tax basis through direct debit (automatically taken from bank account) or direct bill (to be paid by check or with credit card). That’s because you will not be receiving your regular paychecks while you’re on a leave. On the first day of the pay period available after you return to work, you will start paying your contributions through pre-tax deductions once more. If your health plan coverage was cancelled during your LOA because you did not pay the contributions, you can make new benefit elections after you return to work—whether you return in the same or the following calendar year.

Note: depending on the type of leave, the 6 or the 12 month period of coverage at the employee contribution rate will be counted as of the start of the LOA, regardless if you are enrolled in the ExxonMobil health plans or not. If you were not enrolled and due to a change in status, like loss of other health plan coverage through spouse, you enroll, the coverage at the employee contribution rate will be counted as of the start of the LOA and not as of the enrollment date.

Dual coverage

No one can be covered more than once in the ExxonMobil Medical Plan. You and a family member cannot both enroll as employees and elect coverage for each other as eligible family members. If you and your spouse or adult child work for the company you may both be eligible for coverage. Each of you can be covered as an individual, or one of you can be covered as the employee 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.

In addition, a marriage between two ExxonMobil employees does not allow enrollment or cancellation in any of the ExxonMobil health plans. In order to change your coverage, you need to wait until you experience a change in status that allows coverage changes or annual enrollment.

How to enroll

As a newly hired employee, you will receive enrollment materials from the ExxonMobil Benefits Service Center. If you wish to enroll, you have 30 days to do so after your start date for your coverage to begin on the first day of employment.

If no actions are taken within the time established, or as a current employee you are not covered by a medical plan to which ExxonMobil contributes (even if previously enrolled and cancelled your coverage), the next opportunity to enroll will be during annual enrollment, with coverage effective the first of the following year or upon a change in status with coverage being effective on the event date. See Changing your coverage for additional details.

Annual Enrollment

Each year, during the fall, ExxonMobil offers an annual enrollment period. During this time, you can switch from your current option to another available option. This is also the time to make changes to coverage by adding or deleting family members. Family members may be added or deleted for any reason, but they must be deleted if they are no longer eligible. Changes elected during annual enrollment take effect the first of the following year.

During annual enrollment, changes to your ExxonMobil Medical Plan coverage (option or contributions) do not automatically adjust your coverage or contributions to other plans such as the ExxonMobil Dental Plan, ExxonMobil Vision Plan, or the flexible spending accounts under the ExxonMobil Pre-Tax Spending Plan. Changes to those plans must be made separately during annual enrollment.

Employees are automatically enrolled in the ExxonMobil Pre-Tax Spending Plan to pay monthly contributions on a pre-tax basis pursuant to ExxonMobil’s Section 125 Cafeteria Plan unless this feature is declined.  This choice is only available during the annual enrollment period or with a change in status.

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. However, if you want to participate in a Flexible Spending Account (FSA), you must enroll each year, even if you are currently enrolled in an FSA.

If you pay your monthly contributions on an after-tax basis and would like to continue making contributions on an after-tax basis for the following year, you must elect to do so each year during annual enrollment and after each change in status. Otherwise, your contributions will be switched to a pre-tax basis beginning the first day of the following year.

NOTE: You should not wait until annual enrollment to remove a family member who loses eligibility; they should be removed at the time eligibility is lost. For consequences for covering an ineligible family member, see Loss of Eligibility

Changing your coverage

To make a change to your coverage after your initial enrollment, you must wait until Annual Enrollment or until you experience one of the following Changes in Status.

Mid-Year changes

If a qualified change in status event described in this section occurs, the participant may be permitted or required to:

• Enroll in coverage;
• End coverage; or
• Change the dependents covered.

The participant’s new coverage election must be consistent with the change in status event. If the actions permitted or required are not taken in the timeframes indicated, you may need to wait until the upcoming annual enrollment period or another change in status event.

The following qualified change in status events allow, or require, changes to a participant’s medical elections:

Event	You are required/permitted to	When
Qualified status change
Divorce   Employee and spouse enrolled in ExxonMobil Medical Plan	You are required to remove coverage for your former spouse and stepchild(ren) but you may not remove coverage for yourself or other covered eligible family members.   You and your remaining eligible family members may change your medical plan option   Note: You may not make a change to your coverage if you and your spouse become legally separated because there is no impact on eligibility.	You must make these changes within 60 days of your divorce and you are not required to show documentation to drop dependents.   If you do not to notify the ExxonMobil Benefits Service Center within 60 days, this will result in your former spouse and stepchild(ren) not being entitled to elect COBRA.   If you fail to remove your spouse and any stepchild(ren) within 60 days of the event: You will continue to have pay the same pre-tax contribution for coverage even though you have removed your former spouse and stepchild(ren) Such contribution will remain the same until you have experienced another change in status or the first of the plan year following the next Annual Enrollment period You will be required to reimburse the Plans for any claims paid after the loss of eligibility for any ineligible person
Divorce Employee loses coverage under spouse's medical plan.	If you lose coverage under your spouse's health plan because of divorce, you can sign up for medical coverage for yourself and your eligible family members.	You must make these changes within 60 days following the date you lose coverage under your spouse's plan.
Death of a spouse or other eligible family member	Death of a spouse: You are required to remove coverage for your former spouse but you may not remove coverage for yourself or other covered eligible family members.   If you lose coverage under your spouse's health plan, you can sign up for Medical Plan coverage for yourself and your eligible family members. If you and your family members are enrolled in the ExxonMobil Medical Plan, any stepchildren will cease to be eligible upon your spouse's death unless you are their court appointed guardian or sole managing conservator. Death of dependent child: You are required to remove coverage for deceased child but no other changes are allowed.	You must provide notice of your spouse’s death or dependent child’s death within 30 days of the date of death. No other election changes will be permitted for those currently enrolled in the Plan. If you were covered on your spouse’s plan you must make an election within 30 days of the date of death.
Other loss of family member's eligibility (e.g., sole managing conservatorship of grandchild ends)	Coverage continues through their last day of eligibility for any event the participant reports. In some cases, continuation coverage under COBRA may be available. (SeeContinuation coveragefor more details about COBRA.)	You must notify the ExxonMobil Benefits Service Center as soon as a family member is no longer eligible. If you fail to notify the ExxonMobil Benefits Service Center within 60 days, the family member will not be entitled to elect COBRA.   You remain responsible for ensuring that the dependent childis removed from coverage.If you fail to ensure that an ineligiblefamily member is removed in a timely manner, there may be consequences for falsifying company records.
Qualified change in employment status
You lose eligibility because of a change in your employment status, e.g., regular to non-regular or strike/ lockout	Your Medical Plan participation will automatically be termed.	Last day of the month of the event
You gain eligibility because of a change in your employment status, e.g. non-regular to regular; trainees to regular.	Enroll yourself and add any eligible family members.   Since enrollment would not be upon original hire date, contributions would be on a post-tax basis if applied retroactively	You must make these changes within 30 days of the event
You begin or return from a leave of absence	You may be able to make changes to some health plan benefits . Contact ExxonMobil Benefits Service Center at 833-776-9966 with any questions.	You must make these changes within 30 days following the date of the event.
You return from expatriate assignment outside of the U.S.	If you are returning from an expatriate assignment, you and your eligible family members may choose a medical plan option, otherwise you will be automatically enrolled in Aetna POSII A.   You may cancel this coverage for yourself and your eligible family members.	You must make these changes within 30 days following the date of the event.
Termination of employment and rehire within 30 days or retroactive reinstatement ordered by court	If rehire is within 30 days or retroactive reinstatement ordered by court, you will be automatically enrolled in the same medical plan option you had prior to termination.   If returning with a different plan year than termination, you can make any election changes.   If rehire is after 30 days, enroll in all plans as new hire.	No action from the participant needed, automatic enrollment in same plan option.   You must make election changes within 30 days following the date of the reinstatement. You must enroll within 30 days following the date of the reinstatement.
Termination of Employment by spouse or other family member or other change in their employment status triggering loss of eligibility under the other plan	Enroll yourself and other family members who may have lost eligibility under the spouse's or family member's plan in medical plan and change your medical plan option.	You must make these changes within 30 days following the date of the event.
Other qualified changes
Another parent is ordered to provide coverage to your covered child through a QMSCO	Revoke or decrease the affected child’s election if coverage actually provided. The effective date will be the date of qualification or end of month if termination date is not listed.	Within 30 days following the date of the event
You are ordered to provide coverage to your eligible child through a QMCSO	If you’re currently enrolled, your child will be automatically covered under your current options. If not currently enrolled, you and the affected child will be covered automatically under the lowest cost option in the applicable plan(s). You can change your medical option.	You must make these changes within 30 days of the event.
Eligible dependent gains eligibility under another employer's plan	If the eligible dependent has or will obtain coverage under the other employer plan, remove them from coverage. You may also cancel coverage for yourself, if health care coverage is obtained through your spouse’s employer plan.	You must make these changes within 30 days of the event.
A significant change in coverage or cost* of your, your spouse’s plan.     *applies also to a significant increase in health care cost sharing.	Make a corresponding prospective change in your election: Change in coverage of this plan: You can cancel your election and be able to elect coverage under another medical plan option. You can also change your medical option.   Change in coverage of your spouse´s plan: you will be able to sign up for medical coverage for yourself and your eligible family members. You can also change your medical option.	Within 30 days following the date of the event.
HIPAA special enrollment provisions
Marriage	Enroll yourself and any eligible dependents. Drop coverage for yourself and your dependents (if being covered by your new spouse). Note that you cannot drop coverage for just your dependents, if you wish to drop coverage it would be for the whole family. Change your medical plan option.	Within 30 days following the date of the event.
Gain a family member through birth, adoption or placement for adoption	Enroll yourself and any eligible dependents Drop coverage for yourself and your dependents. (Note that you cannot drop coverage for just your dependents, if you wish to drop coverage it would be for the whole family. Add any eligible dependents to your coverage. Change your medical option.	You must add the new family member within 30 days even if you already have family coverage. Coverage is effective on the date of birth, adoption, or placement for adoption.
You or a family member loses eligibility under another employer's group health plan	Enroll yourself and other family members who might have lost eligibility, add affected dependents and change medical plan option.	You must make these changes within 30 days of the event.
A family member’s employer contributions cease.	Add affected dependents to your coverage. Change your medical plan option.	You must make these changes within 30 days of the event.
The participant or the participant’s dependent becomes eligible for premium assistance under Medicaid or the Children’s Health Insurance Program (CHIP).	If the participant is becoming eligible, they may drop coverage.   If a dependent is becoming eligible, they may remove coverage for affected dependents only.	Within 60 days of either: termination of Medicaid or CHIP coverage due to loss of eligibility, or becoming eligible for a state premium assistance program under Medicaid or CHIP coverage.

 

Addition or improvement of medical plan options

If a new 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 Aetna POS II A/B option. You may also discontinue medical coverage altogether.

Other situations that may affect your coverage

Leave of absence

If you are on an approved leave of absence, you can continue coverage by making required contributions directly to the Plan through direct bill. If you chose not to continue your coverage while on leave, please call the ExxonMobil Benefits Service Center to learn about allowable changes.

If you were on a leave that meets the requirements of the Family and Medical Leave Act of 1993 (FMLA) or the Uniformed Services Employment and Reemployment Rights Act (USERRA) and your coverage ended, re-enrollment is subject to FMLA or USERRA requirements.

For more information, contact ExxonMobil Benefits Service Center

If you retire

If you retire as a regular employee on or after age 55 with 15 or more benefit years of service, you are eligible for the ExxonMobil Retiree Medical Plan (EMRMP) or you may elect COBRA to stay in the ExxonMobil Medical Plan for the duration of COBRA Coverage. If you retire as a regular employee and are Medicare-eligible, you are eligible to enroll in the Medicare Primary Option (MPO) option of the EMRMP.

Effective January 1, 2019: If you decline enrollment in the ExxonMobil Retiree Medical Plan at retirement, you will have limited opportunities to enroll at a later date. See the Summary Plan Description for the EMRMP option of your choice for more information.

If a covered family member lives away from home

Coverage depends on whether the plan option you are enrolled in as an employee 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 work beyond when you become eligible for Medicare

If you continue to work for ExxonMobil after you become eligible for Medicare, although you are eligible for Medicare, your ExxonMobil employee coverage remains in effect for you and eligible family members and the Plan is your primary plan. Medicare benefits, if you sign up for them, will be your secondary benefits. Please see the Coordination of benefits section for further information. Refer to www.medicare.gov to learn more about Medicare while you are still employed.

If your covered family members become Medicare eligible for any reason

Employees or family members of an employee who become Medicare eligible, either due to age or Social Security disability status, are eligible to participate in any Medical Plan option as long as the employee remains as a regular employee.

If the employee retires or dies, and coverage is available under the EMRMP:

• Medicare eligible covered spouses must enroll in Medicare Primary Option, including enrolling in Medicare Parts A and B.
• All eligible dependent children under the age of 26 (including those that are Medicare eligible) and those over the age of 26 who are totally and continuously disabled and not Medicare eligible, may enroll in the Retiree Medical Plan options of the EMRMP.
• Medicare eligible dependent children over the age of 26 are not eligible for coverage under any ExxonMobil health plan available to retirees. You may be eligible to elect continuation coverage for your Medicare eligible dependent child under COBRA provisions. See Continuation coverage for details.

If you die

If you die while enrolled, your covered eligible family members may be eligible for the ExxonMobil Retiree Medical Plan. Their eligibility continues with the EMRMP for a specified amount of time:

• If you have 15 or more years of benefit service at the time of your death, eligibility continues until your spouse remarries, becomes eligible for Medicare or dies. Upon eligibility for Medicare, your spouse can continue coverage through the Medicare Primary Option.  
• If you have less than 15 years of benefit service, eligibility continues for twice your length of benefit service or until your spouse remarries, becomes eligible for Medicare, or dies, whichever occurs first. Upon eligibility for Medicare, your spouse can continue coverage through the Medicare Primary Option.  

Children of deceased employees or retirees may continue participation as long as they are an eligible family member. If your surviving spouse remarries, eligibility for your stepchildren also ends.

Coordination of benefits

Coordination of benefits on the ExxonMobil Medical Plan - Cigna OAPIN Network Only option

If you are covered by more than one group medical plan (e.g., your spouse's employer's medical plan), to the extent possible, the Plan will attempt to coordinate benefits. When the Plan is the primary plan, it will pay medical claims first as if there is no other coverage. When the Plan is the secondary plan, it will pay benefits after the primary plan and that payment amount will be the lesser of: a) what the Plan would have paid if it had been primary, or b) the Plan would have paid less the primary plan's payment.

However, if you or a family member is covered under an individual medical plan (e.g., auto insurance, homeowners insurance personal injury protection, etc.), the coordination of benefits provision does not apply.

One of the plans covering you is the primary plan. Claims must be filed first with the primary plan. After the primary plan pays, file the claim with the secondary plan, including a copy of the bills and an explanation of benefits indicating the amount paid by the primary plan.

For example, if you, as an employee in this option, incur covered expenses, this Plan is primary and your spouse's plan is secondary. However, if your spouse incurs the expenses, their plan is primary and this Plan is secondary.

This plan is primary to Medicare as long as you remain an active employee.

Effect on the benefits of this Cigna option

If this Cigna Option is the Secondary Group Health Plan, this Group Health Plan may reduce benefits so that the total benefits paid by all Plans during a Claim Determination Period are not more than one hundred percent (100%) of the total of all Allowable Expenses.

The difference between the amount that this Cigna Option would have paid if this Cigna OAPIN Option had been the Primary Group Health Plan, and the benefit payments that this Cigna Option had actually paid as the Secondary Group Health Plan, will be recorded as a benefit reserve for you. Cigna will use this benefit reserve to pay any Allowable Expense not otherwise paid during the Claim Determination Period.

As each claim is submitted, Cigna will determine the following:

• Cigna obligation to provide services and supplies under this Cigna Option ;
• Whether a benefit reserve has been recorded for you; and
• Whether there are any unpaid Allowable Expenses during the Claims Determination Period.

If there is a benefit reserve, Cigna will use the benefit reserve recorded for you to pay up to one hundred percent (100%) of the total of all Allowable Expenses. At the end of the Claim Determination Period, your benefit reserve will return to zero (0) and a new benefit reserve shall be calculated for each new Claim Determination Period.

Coverage of a child

When a child is covered under both parents' plans, the "birthday rule" is used: the plan of the parent whose birthday occurs earlier in the year is the primary plan. The other parent's plan is secondary. If both parents have the same birthday or the spouse's plan has not adopted the birthday rule, the Plan will consider the plan that has covered the child longer as primary.

There are special rules for children of divorced or separated parents. Unless specifically ordered otherwise by a court decree, the plan of the parent with custody, if he or she has not remarried, is primary and the plan of the non-custodial parent is secondary. If the parent with custody remarries, that parent's plan is primary, the stepparent's plan is secondary, and the plan of the non-custodial parent is last.

Payments

If payment for covered medical expenses should have been made under this Plan, but has been made under any other plan, any insurance company or other organization may be reimbursed an amount the Administrator-Benefits determines will satisfy the intent of coordination of benefits provisions. That amount will be considered to be benefits paid under this Plan and shall fully discharge any obligation to make such payments.

Incorrect computation of benefits

Right to receive and release information

Cigna, without consent or notice to you, may obtain information from and release information to any other Group Health Plan with respect to you in order to coordinate your benefits pursuant to this section. You must provide us with any information we request in order to coordinate your benefits pursuant to this section. This request may occur in connection with a submitted claim; if so, you will be advised that the "other coverage" information, (including an Explanation of Benefits paid under the Primary Group Health Plan) is required before the claim will be processed for payment. If no response is received within 90 days of the request, the claim will be denied. If the requested information is subsequently received, the claim will be processed.

Subrogation and right of reimbursement

If a Participant incurs a Covered Expense for which, in the opinion of the plan or its claim administrator, another party may be responsible or for which the Participant may receive payment as described above:

• Subrogation: The Plan shall, to the extent permitted by law, be subrogated to all rights, claims or interests that a Participant may have against such party and shall automatically have a lien upon the proceeds of any recovery by a Participant from such party to the extent of any benefits paid under the Plan. A Participant or his/her representative shall execute such documents as may be required to secure the Plan’s subrogation rights.
• Right of Reimbursement: The Plan is also granted a right of reimbursement from the proceeds of any recovery whether by settlement, judgment, or otherwise. This right of reimbursement is cumulative with and not exclusive of the subrogation right granted in paragraph 1, but only to the extent of the benefits provided by the Plan.

The Cigna Option does not cover:

• Expenses for which another party may be responsible as a result of liability for causing or contributing to the injury or illness of you or your Family Member(s).
• Expenses to the extent they are covered under the terms of any automobile medical, automobile no fault, uninsured or underinsured motorist, workers' compensation, government insurance, other than Medicaid, or similar type of insurance or coverage when insurance coverage provides benefits on behalf of you or your Family Member(s).

If you or a Family Member incurs health care Expenses as described above, Cigna shall automatically have a lien upon the proceeds of any recovery by you or your Family Member(s) from such party to the extent of any benefits provided to you or your Family Member(s) by the Plan. You or your Family Member(s) or their representative shall execute such documents as may be required to secure Cigna’s rights. Cigna shall be reimbursed the lesser of:

• The amount actually paid by Cigna under the Plan; or
• An amount actually received from the third party;
• At the time that the third party's liability is determined and satisfied; whether by settlement, judgment, arbitration or otherwise.

  Additional Terms

• The Plan hereby disavows all equitable defenses in pursuit of its right of recovery. The Plan’s subrogation or recovery rights are neither affected nor diminished by equitable defenses.
• Participants must assist the Plan in pursuing any subrogation or recovery rights by providing requested information.

Payment of benefits

Payment of benefits on the ExxonMobil Medical Plan - Cigna OAPIN Network Only option

To whom payable

At the option of Cigna and with the consent of the Employer, all or any part of medical benefits may be paid directly to the person or institution on whose charge claim is based. Otherwise, medical benefits are payable to you.

If any person to whom benefits are payable is a minor or, in the opinion of Cigna, is not able to give a valid receipt for any payment due him, such payment will be made to his legal guardian. If no request for payment has been made by his legal guardian, Cigna may, at its option, make payment to the person or institution appearing to have assumed his custody and support.

If you die while any of these benefits remain unpaid, Cigna may choose to make direct payment to any of your following living relatives: spouse, mother, father, child or children, brothers or sisters, or to the executors or administrators of your estate.

Payment as described above will release Cigna from all liability to the extent of any payment made.

Time of payment

Benefits will be paid by Cigna when it receives due proof of loss.

Recovery of overpayment

Payments are made in accordance with the provisions of the Plan.  If it is determined that overpayment has been made by Cigna, Cigna will have the right at any time to: (a) recover that overpayment from the person to whom or on whose behalf it was made, or (b) offset the amount of that overpayment from a future claim payment.  In addition, the Plan has the right to engage an outside collection agency to recover overpayments on the Plan’s behalf if the Plan’s collection effort is not successful. The Plan may also bring a lawsuit to enforce its rights to recover overpayments. If the overpayment is made to a provider, the Plan (or any third-party administrator) may reduce or deny benefits, in the amount of the overpayment, for otherwise covered services for current or future claims with the provider on behalf of any participant, beneficiary, or dependent in the Plan.

When coverage ends

When coverage ends for the ExxonMobil Medical Plan - Cigna OAPIN Network Only option

Coverage for you and/or your family members ends on the earliest of the following dates:

The last day of the month in which:

• You terminate employment, retire, or die  
• A family member ceases to be eligible (for example, a child reaches age 26);
• You terminate employment after being rehired by ExxonMobil as an employee following retirement
• You do not make any required contribution

OR

The effective date:

• The ExxonMobil Medical Plan ends;
• You enrolled an ineligible family member and in the opinion of the Administrator-Benefits, the enrollment was a result of fraud or a misrepresentation of a material fact. See Loss of eligibility section for further details.
• You elect not to participate anymore (opt out)
• You are no longer eligible for benefits under this Plan (e.g., from non-represented to represented where you are no longer eligible for this Plan, from regular to expatriate)
• In which a Qualified Medical Child Support Order is no longer in effect for a covered family member.
• Your employer discontinues participation in the Plan

You are responsible for ending coverage with the ExxonMobil Benefits Service Center when your enrolled spouse or family member is no longer eligible for coverage. If you do not complete your change within 30 days for most changes in status (and 60 days in the case of divorce or if you, your spouse or your covered dependent gains or loses eligibility for Medicaid or Children’s Health Insurance Program (CHIP) coverage, any contributions you make for ineligible family members will not be refunded.

Loss of eligibility

Fraud against the plan

Any act, practice, or omission by a Plan participant that constitutes fraud or an intentional misrepresentation of material fact is prohibited by the Plan, and the Plan may rescind coverage retroactively as a result.  Any such fraudulent statements, including on Plan enrollment forms and in electronic submissions, may invalidate any payment or claims for services and may be grounds for rescinding coverage. Everyone in your family may lose eligibility for ExxonMobil Medical Plan coverage, and you may be subject to disciplinary action up to and including termination of employment if you commit fraud against the ExxonMobil Medical Plan, for instance, by filing claims for benefits to which you are not entitled. Coverage may also be terminated if you refuse to repay amounts erroneously paid by the ExxonMobil Medical Plan on your behalf or that you recover from a third party. Additionally, coverage may be terminated if you fail to reimburse the Plan for any amount owed to the Plan, or if you receive and fail to report to the Claims Processor any discounts, write-offs, or other arrangements with providers that result in misrepresentation of your out-of-pocket costs. Your participation may be terminated if you fail to comply with the terms of the ExxonMobil Medical Plan and its administrative requirements. You may also lose eligibility if you enroll persons who are not eligible, for instance, by covering family members who do meet the eligibility requirements. This includes failing to provide timely notification of when a covered family member loses eligibility, e.g, spouse loses eligibility due to divorce.

Extended benefits at termination

You are entitled to extended coverage for as much as a year if you are terminated due to disability with fewer than 15 years of service. This coverage is provided at no cost to you. This is considered a portion of the COBRA continuation period. In order to assure coverage beyond this extension period, you must elect COBRA upon termination of employment.  Several conditions must be met:

• The disability must exist when your employment terminates.
• The extension lasts only as long as the disability continues, but no longer than 12 months.

This extension applies only to the employee who is terminated because of a disability. Continuation coverage for eligible family members may be available through COBRA.

Continuation coverage

Continuation coverage on the ExxonMobil Employee Medical Plan - Cigna OAPIN Network Only option

Introduction

You are required to be given the information in this section because you are covered under a group health plan (the ExxonMobil Medical Plan). This section contains important information about your right to COBRA continuation coverage, which is a temporary extension of coverage under the Plan under certain circumstances when coverage would otherwise end. This section generally explains COBRA continuation coverage, when it may become available to you and your family, and what you need to do to protect the right to receive it. 

The right to COBRA coverage was created by a federal law, the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA). COBRA coverage can become available to you when you would otherwise lose your group health coverage. It can also become available to your spouse and children, if they are covered under the Plan when they would otherwise lose their group health coverage or other rights under the Plan. This section does not fully describe COBRA coverage or other rights under the Plan. For additional information about your rights and obligations under the Plan and under federal law, you should review this SPD or contact the ExxonMobil Benefits Service Center at the telephone numbers or address listed under Benefits Administration in the Contacts for COBRA rights Under the ExxonMobil Medical Plan section.

You, your spouse and your family members may have other options available when you lose group health coverage. For example, you may be eligible to buy an individual plan through the Health Insurance Marketplace.  By enrolling in coverage through the Marketplace, you may qualify for lower costs on your monthly premiums and lower out-of-pocket costs.  Additionally, you may qualify for a 30-day special enrollment period for another group health plan for which you are eligible (such as a spouse’s plan), even if that plan generally doesn’t accept late enrollees.

Determination of Benefits Administration Entity to Contact: current ExxonMobil employees, their covered family members and former ExxonMobil Employees and their covered family members, who have elected and are participating through COBRA should all contact ExxonMobil Benefits Service Center at 1-833-776-9966 (Monday – Friday 8:00 a.m. to 4:00 p.m CST) or access Your Rewards portal.

The contact information for each of these entities is as shown in the Contacts for COBRA Rights Under the ExxonMobil Medical Plan section.

What is COBRA coverage?

COBRA coverage is a continuation of Plan coverage when coverage would otherwise end because of a life event known as a qualifying event. Specific qualifying events are listed later in this section.  If a specific qualifying event occurs and any required notice of that event is properly provided to the ExxonMobil Benefits Service Center, COBRA coverage must be offered to each person losing coverage who is a qualified beneficiary.  You, your spouse, and your children could become qualified beneficiaries if coverage under the Plan is lost because of the qualifying event. Certain newborns, newly adopted children, and alternate recipients under QMCSOs may also be qualified beneficiaries. This is discussed in more detail in separate paragraphs below. Under the Plan, qualified beneficiaries who elect COBRA coverage must pay the entire cost of COBRA coverage (employee plus employer portions) plus a 2% administrative fee..

Who is entitled to elect COBRA?

If you are an employee, you will be entitled to elect COBRA, if you lose your coverage under the Plan because either one of the following qualifying events happens:

• Your hours of employment are reduced, or
• Your employment ends for any reason other than your gross misconduct.

If you are the spouse of an employee, you will be entitled to elect COBRA if you lose coverage under the Plan because any of the following qualifying events happens:

• Your spouse dies,
• Your spouse's hours of employment are reduced,
• Your spouse’s employment ends for any reason other than their gross misconduct,
• You become divorced from your spouse.  Also, if your spouse (the employee) reduces or eliminates your group health coverage in anticipation of a divorce, and a divorce later occurs, then the divorce may be considered a qualifying event for you even though your coverage was reduced or eliminated before the divorce.

A person enrolled as the employee’s child will be entitled to elect COBRA if he or she loses coverage under the Plan because any of the following qualifying events happens:

• The parent-employee dies,
• The parent-employee's hours of employment are reduced,
• The parent-employee's employment ends for any reason other than his or her gross misconduct, or
• The child stops being eligible for coverage under the Plan as a child.

When is COBRA coverage available?

When the qualifying event is the end of employment or reduction of hours of employment or death of the employee, the Plan will offer COBRA coverage to qualified beneficiaries.  You need to notify the ExxonMobil Benefits Service Center of any other qualifying events.

For the other qualifying events, a COBRA election will be available to you only if you notify the ExxonMobil Benefits Service Center. You must notify the Benefits Service Center of the loss of your eligibility or your ineligible family members within 30 days from the date of the event except for the events of divorce or loss of Medicaid or Children’s Health Insurance Program (CHIP) coverage of you, your spouse or dependent for which you have up to 60 days to report. You may enroll in COBRA continuation coverage within 60 days from the later of the date coverage is lost or the date on the COBRA Election Notice statement. Current employees may give notice of qualifying events by logging onto Your Total Rewards portal.

Please note:  Notice is not effective until either a change is made on Your Total Rewards portal or the proper information is received by the ExxonMobil Benefits Service Center. If notice is not submitted during the 30 or 60-day notice period depending on the change in status event, then all qualified beneficiaries will lose their right to elect COBRA.

Election of COBRA

Each qualified beneficiary will have an independent right to elect COBRA. Covered employees and spouses (if the spouse is a qualified beneficiary) may elect COBRA on behalf of all qualified beneficiaries, and parents may elect COBRA on behalf of their children. Any qualified beneficiary for whom COBRA is not elected within the 60-day election period specified in the Plan’s COBRA election notice WILL LOSE THEIR RIGHT TO ELECT COBRA.

How long does COBRA coverage last?

COBRA coverage is a temporary continuation of Plan coverage that lasts between 18-36 months depending on the qualifying event.

You, your spouse, and covered dependents may qualify for up to 18 months of continuation coverage, if you qualify due to one of the following qualifying events:

• Your employment ends for any reason other than termination for gross misconduct;
• Your work hours are reduced and you are no longer eligible to participate in the Plan ; or
• Unpaid Leave of Absence.

Your covered spouse and covered dependent may qualify for up to 36 months of continuation coverage, if they qualify due to one of the following qualifying events:

• You die;
• You and your spouse get a divorce; or

An enrolled child no longer meets the definition of “child” under the terms of the Plan.

Second qualifying event extension COBRA coverage

If your family experiences another qualifying event while receiving COBRA coverage as a result of the covered employee’s termination of employment or reduction of hours (including COBRA coverage during a disability extension as described above), the covered spouse and children in your family can get up to 18 additional months of COBRA continuation coverage, for a maximum of 36 months, if notice of the second qualifying event is properly given the COBRA Administrator. This extension may be available to the spouse and any children receiving COBRA coverage if the employee or former employee dies, gets divorced, or if the covered child stops being eligible under the Plan as a child. This extension is not available under the Plan when a covered employee becomes entitled to Medicare after their termination of employment or reduction of hours.  This extension due to a second qualifying event is available only if you notify the correct benefits administration entity within 60 days of the date of the second qualifying event. Disability extension of 18-month COBRA continuation coverage

The 18-month continuation period may be extended for you and your covered family members if the Social Security Administration determines that you or another family members, who is a qualified beneficiary, is disabled at any time during the first 60 days of continuation coverage.  If all of the following requirements are met, coverage for all family members who are qualified beneficiaries as a result of the same qualifying event can be extended for up to an additional 11 months (for a total of 29 months):

• This extension is available only for qualified beneficiaries who are receiving COBRA coverage because of a qualifying event that was the covered employee’s termination of employment or reduction of hours.
• The disability must have started at some time before the 61st day after the covered employee’s termination of employment or reduction of hours and must last at least until the end of the period of COBRA coverage that would be available without the disability extension (generally 18 months, as described above).
• A copy of the Notice of Award from the Social Security Administration is provided to the COBRA Administrator [ExxonMobil Benefits Service Center] within 60 days of receipt of the notice and before the end of the initial 18 months of continuation coverage.
• If the disabled qualified beneficiary elects continuation coverage, you must pay an increased premium of 150 percent of the monthly cost of Plan coverage that’s continued, beginning with the 19th month of continuation coverage.

Extension Due to Medicare Eligibility

Coverage may also last up 36 months for a covered spouse or covered dependent when loss of coverage is the result of a qualifying event that is the end of the employee’s employment or the reduction of the employee's hours of employment, and the employee became entitled to Medicare benefits less than 18 months before the qualifying event.  In this case, COBRA coverage under the Plan for qualified beneficiaries (other than the employee) may last until up to 36 months after the date of the employee’s Medicare entitlement. For example, if a covered employee becomes entitled to Medicare 8 months before the date on which his employment terminates, COBRA coverage for his spouse and children who lost coverage as a result of his termination can last up to 36 months after the date of Medicare entitlement, which is equal to 28 months after the date of the qualifying event (36 months minus 8 months). This COBRA coverage period is available only if the covered employee becomes entitled to Medicare within 18 months before termination or reduction of hours.

When COBRA Coverage Ends

COBRA coverage may be terminate before the maximum period if one of the following occurs:

• The premium for your continuation coverage is not paid on time.
• If after electing continuation coverage, you become covered by another group health plan, unless the plan contains any exclusions or limitations with respect to any pre-existing condition you or your coverage dependents may have.
• If after electing continuation coverage, you first become eligible for and enroll in Medicare Part A , Part B or both.
• You extend coverage for up to 29 months due to a qualified beneficiary’s disability and there has been a final determination by the Social Security Administration that the qualified beneficiary is no longer disabled. In this case, continuation coverage will end on the first of the month that begins more than 30 days after the final determination o by the Social Security Administration that the qualified beneficiary is no longer disabled. This will be the case only if the qualified beneficiary has been covered by continuation coverage for at least 18 months.
• Exxon Mobil Corporation no longer provides group health coverage to any of its eligible employees or eligible retirees.

[COBRA coverage can end before the end of the maximum coverage period for several reasons, such as for the failure to timely pay premiums, eligibility for other employer-provided coverage or reaching Medicare-eligibility during your COBRA period.]

Are there other coverage options besides COBRA continuation coverage?

Yes.  Instead of enrolling in COBRA continuation coverage, there may be other coverage options for you and your family through the Health Insurance Marketplace, Medicaid, or other group health plan coverage options (such as a spouse’s plan) through what is called a special enrollment period. Some of these options may cost less than COBRA continuation coverage. You can learn more about many of these options at www.healthcare.gov.

More information about individuals who may be qualified beneficiaries during COBRA

A child born to, adopted by, or placed for adoption with a covered employee during a period of COBRA coverage is considered to be a qualified beneficiary provided that, if the covered employee is a qualified beneficiary, the covered employee has elected COBRA coverage for himself or herself.

The child's COBRA coverage begins when the child is enrolled in the Plan, whether through special enrollment or open enrollment, and it lasts for as long as COBRA coverage lasts for other family members of the employee. To be enrolled in the Plan, the child must satisfy the otherwise-applicable Plan eligibility requirements (for example, regarding age).

Alternate recipients under QMCSOs

A child of the covered employee who is receiving benefits under the Plan pursuant to a qualified medical child support order (QMCSO) received by ExxonMobil during the covered employee's period of employment with ExxonMobil is entitled to the same rights to elect COBRA as an eligible child of the covered employee.

Cost of COBRA coverage

A person who elects continuation coverage may be required to pay 102% of the cost to the Plan to maintain the coverage, unless the person is entitled to extended coverage due to disability. If the person becomes entitled to such extended coverage due to disability, the person may be required to contribute up to 150% of contributions after the initial 18-month's coverage until coverage ends. A person who elects continuation coverage must pay the required contributions within 45 days from the date coverage is elected retroactively to the date benefits terminated under the Plan.

If you have questions

Questions concerning your Plan or your COBRA continuation coverage rights should be addressed to the contact or contacts identified below.  For more information about your rights under the Employee Retirement Income Security Act (ERISA), including COBRA, the Patient Protection and Affordable Care Act, the Consolidated Appropriations Act, 2021and other laws affecting group health plans, contact the nearest Regional or District Office of the U.S. Department of Labor’s Employee Benefits Security Administration (EBSA) in your area or visit www.dol.gov/ebsa.  (Addresses and phone numbers of Regional and District EBSA Offices are available through EBSA’s website.)  For more information about the Marketplace, visit www.healthcare.gov. 

Keep your plan informed of address changes

In order to protect your family's rights, you should keep ExxonMobil Benefits Service Center informed of any changes in your address as well as the addresses of family members. You should also keep a copy, for your records, of any notices you send.

Contacts for COBRA rights under the ExxonMobil Medical Plan

For employees and former employees currently participating in the EMMP through COBRA

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

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

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

FAILURE TO NOTIFY THE CORRECT ENTITY COULD RESULT IN YOUR LOSS OF COBRA RIGHTS.

Basic Plan features

Basic Plan features for the ExxonMobil Medical Plan - Cigna OAPIN Network Only option

Network only benefits

To receive In-Network Medical Benefits, services must be provided by a Cigna Network Provider. A Cigna Network Provider is an institution, facility, agency or health care professional, which has contracted directly or indirectly with Cigna. Providers qualifying as Participating Providers may change from time to time. A list of the current Participating Providers is located online at www.mycigna.com. The Provider Organization is a network of Participating Providers.

If you see a doctor who does not participate in the Cigna Network, you’ll be responsible for all associated costs.

If you have a life-threatening medical emergency, go to your nearest hospital emergency department. Emergency services are covered at the In-Network benefit level until your medical condition is stabilized.

If you are unable to locate a Cigna Network Provider in your area who can provide you with a service or supply that is covered under the Cigna Option, you must call Cigna Customer Service to obtain authorization for Non-Network Provider coverage. If you obtain authorization for services provided by Non-Network Provider, those services will be covered at the In-Network benefit level.

Your Rights and Protections Against Surprise Medical Bills

When you get emergency care or you’re treated by an out-of-network provider at an in-network hospital, or ambulatory surgical center or by an air ambulance provider, you are protected from surprise billing or balance billing.

For more information on your rights, please refer to the Surprise Medical Bills notice located on www.exxonmobilfamily.com.

Co-payments

You share in the cost of most medical services and supplies. For some services and supplies, such as doctor’s visits, your share of the cost is a fixed dollar amount. This is called a copayment or copay. Your copay amount is printed on your Plan ID card.

You won’t always pay a copay for medical services or supplies. Some services and supplies, such as preventive medications and well-baby visits, are at no additional cost to you. And some services are subject to coinsurance.

Coinsurance

For some medical services and supplies, such as hospital stays and outpatient surgeries, your share of the cost is a percentage of the negotiated fees for services received. This is called coinsurance. The Plan pays 90% of the allowable expense and you pay 10%, until your annual out-of-pocket limit is reached.

Allowable expense

The allowable expense or allowed amount is the portion of billed charges for medical services and supplies that is considered eligible for payment by the Plan, before this amount is reduced by your copayment or coinsurance amount.

For most covered services, the allowed amount is the contracted rate between the Provider Organization and the participating Network Provider. Contracted rates vary among providers in the same service area. You can find network providers and compare costs on MyCigna.com or by calling Cigna Customer Service.

Note: You are responsible for any billed charges above the allowed amount, for example the difference in cost between a private and semi-private hospital room, and these additional charges do not accumulate towards your annual out-of-pocket limit.

Annual out-of-pocket limit

Your out-of-pocket limit is the maximum amount you could pay for covered expenses in a Contract Year. Your out-of-pocket limit includes your portion of the allowable expenses for covered medical services, supplies, and medications, including copays and coinsurance. Once your out-of-pocket maximum has been reached, benefits for covered expenses are payable at 100%.

Note: Monthly contributions, charges above the allowed amount for covered services, and charges for services that are not covered under the Cigna option do not accumulate towards your annual out-of-pocket limit.

Balance bill protection

Sometimes covered services are performed by a Non-Network Provider without your knowledge or ability to choose a participating provider, for example in an emergency situation or when you receive care in a network facility but a network physician is unavailable. When this happens, covered expenses are payable at the In-Network benefits level, and the allowable expense is limited to what is reasonable and customary for similar services in the same geographic area.

Most non-network charges will fall within reasonable and customary limits. However, if you receive a balance bill for the difference between a Non-Network Provider’s billed charges and what is considered reasonable and customary for covered services under the Cigna option, and you did not voluntarily elect to receive services from the Non-Network Provider, call Cigna Customer Service. The full or partial balance bill may qualify as a “hidden” allowable expense eligible for payment by the Plan.

Lifetime maximum benefit

The total maximum benefit per covered person is unlimited.

Contract year

Contract Year means a period from January 1 to December 31 each calendar year.

Benefits for in-network medical care

This Cigna option pays the following benefits for in-network care:

• 100% Coverage for Preventive Care Services
  Medically-necessary preventive care services, including screenings and immunizations, as well as certain maintenance medications, including statins and contraception, will be covered at no additional cost.
• Copay for Physician Visits
  The copays per visit for physician visits are $25 for primary care and $45 for specialists.
• Copays for Urgent Care and Emergency Room Visits
  The copays per visit for Urgent Care are $60 copay and $150 copay and 10% coinsurance for Emergency Room visits.
• 90% Coverage for Inpatient and Outpatient Care
  Inpatient and outpatient care, including surgeries and other pre-scheduled medical procedures will be covered at 90% of the negotiated network fee for service. You are responsible for paying 10% of the cost of covered inpatient and outpatient medical services, until the combined medical/pharmacy annual out-of-pocket maximum is reached.

Combined Out-of-Pocket Maximum
The combined annual out-of-pocket limit for 20241is $3,000 per individual and $6,000 per family. Out-of-pocket expenses for both covered medical and pharmacy will count towards the same annual maximum, after which the Plan will pay for covered services and prescriptions at no additional cost.

Referrals

Your PCP will provide your primary care and, when medically necessary, your PCP may refer you to other in network doctors or facilities for treatment. The referral is important because it is how your PCP arranges for you to receive necessary, appropriate care and follow-up treatment. While your plan does not require a referral from your PCP for you to see specialty doctors, you will want to coordinate such care with your PCP.  Also, certain services do require prior authorization from Cigna. In such case, your doctor will coordinate the prior authorization process with Cigna on your behalf. You will not be required, nor expected, to manually track the prior authorization.

Prior authorization/pre-authorized

The term Prior Authorization means the approval that a Participating Provider must receive from Cigna in order for certain services and benefits to be covered under the Cigna Option. Your PCP is responsible for obtaining authorization from Cigna for in-network covered services. 

Services that require Prior Authorization include, but are not limited to:

• Inpatient Hospital Services;
• Inpatient Services at any Other Participating Healthcare Facility;
• Outpatient Facility Services;
• Magnetic Resonance Imaging (MRI);
• Nonemergency Ambulance;
• Organ Transplant Services;
• Mental Health/Substance Use Disorder Treatment, including at inpatient or residential treatment facilities.

Direct access for obstetric/gynecological services

You are allowed direct access to a licensed/certified Participating Provider for covered obstetric/gynecological services. There is no requirement to obtain an authorization of care from the plan or from your Primary Care Physician for visits to a Participating Provider of your choice for pregnancy, well-woman gynecological exams, primary and preventive gynecological care, and acute gynecological conditions. Make sure that the OB/GYN is a Participating Provider prior to each visit and that any services that the OB/GYN requests will be In-Network under the Cigna Option.

Your ID cards

Your cards identify you as a plan participant when you receive services from in-network providers or when you receive emergency services at non-network facilities.

Effective January 1, 2024, instead of receiving printed ID cards, they will be available on www.myCigna.com® and the MyCigna app so you can view them on your phone. You can download them and easily save, share, print or email them directly to providers.

You can also request a physical version any time via customer service at 1-800-818-9440, as well as through the app or www.myCigna.com®.

Culture of Health and Health Management Programs

Details on ExxonMobil's Culture of Health and integrated Health Management programs

Culture of Health is a set of programs and resources to support the overall health of our workforce both at work and at home, including online tools and resources for individual goal setting, a personal health survey, and an annual biometric screening. These tools and resources are available to all eligible employees and family members (age 18 and older) eligible to enroll in the ExxonMobil Medical Plan.

Additional integrated Health Management programs are available to participants in the Cigna option, and they are designed to help you improve your health and to assist you in obtaining good health care when care is needed. It reflects a commitment by you and the company to good health and quality care. The Health Management tools and resources available to Cigna participants include a 24 Hour Nurse Line, Medical and Behavioral Health Advocates, Condition Management Programs, Cancer Care Program, Musculoskeletal Conditions Support, Fertility Services Counselling, Expert Medical Opinion Services, and Centers of Excellence.

The tools and resources offered through Culture of health are available to you at no additional costs. However, health care claims (e.g., doctor’s fees or facilities charges) are processed according to the ExxonMobil Medical Plan provisions discussed earlier. 

Personal Health Survey

This online questionnaire, available on the company’s designated online health platform, is a quick and easy way to:

• Assess your health status,
• Learn how to maintain your health, and
• Put together a plan to address health risks.

The Personal Health Survey can help identify conditions you and your doctor may need to monitor and manage. The survey is completely confidential, and you may choose to have your results sent to a Health Advocate for review. 

24-Hour nurse line

Trained, licensed nurses are available by telephone at 1-800-564-9286, 24 hours a day, 7 days a week to answer routine questions about your health, or questions about a specific medical situation, condition or concern. However, these nurses cannot diagnose medical conditions, prescribe medication or give specific medical instruction. Topics discussed during your call may include services and expenses not covered under the Plan. The nurse may refer you to a Health Advocate for a more detailed conversation if you face a health risk or serious medical condition.

Health Advocate Program

The Health Advocate Program provides direct support to you, your family, and your treating physician(s) in the management of specific health care needs. The Health Advocate staff consists of registered nurses, supported by a medical director. Once you begin working with a Health Advocate, the nurse will work personally with you as long as you need support.

Health Advocates will assist you to coordinate a wide array of health care-related support and educational services. As situations require, your Health Advocate will assist you with admission, counseling, inpatient advocacy, discharge planning and home counseling. The nurse will also act as your proactive partner, working directly with you to help you navigate the health care delivery system by assisting with the coordination and management of your health care needs and collaborating with others involved in your treatment. Your Health Advocate could refer you to a Condition Management nurse if you are identified as needing treatment for a condition that is included in the program.

Condition management programs available include coronary artery disease (CAD), heart failure, diabetes – adult and pediatric, asthma – adult and pediatric, chronic obstructive pulmonary disease (COPD), chronic lower back pain, osteoporosis / osteoarthritis, and peripheral artery disease.

If you do not see your condition listed, please contact Cigna to check if your chronic condition can be managed by a nurse.

Cancer Care

Targeted outreach through health advocate nurses, case managers and digital coaching to provide personalized care management. Nurses are licensed, registered with clinical oncology experience. They can provide valuable education and guidance and are available 24 hours a day, seven days a week to help you through your cancer treatment at no additional cost to you.

Your Oncology Nurse will help set goals for treatment and medication, find in-network doctors and facilities, help with getting a second opinion and educate on diagnosis and treatment plan, what to expect, pain management, online researches and digital engagement tools. In addition, your nurse will look for ways to maximize benefits, barriers to care and offer solutions as well as treatment alternatives (i.e. clinical trials).

Omada Programs for Diabetes, Hypertension and Prevention Programs

If you are at risk for diabetes and/or hypertension and meet certain eligibility criteria, you have access to a digital lifestyle change program through Omada, including an interactive online platform that adapts to you, a health coach to keep you on track, a wireless smart scale to monitor your progress, and a small online peer group for real-time support. A Health Advocate nurse may refer you to the program, or you can visit OmadaHealth.com/exxonmobil to confirm your eligibility and enroll online.

Healthy Babies Program

You are eligible for the Healthy Babies Program, which provides information from the March of Dimes, 24/7 telephone access to a nurse, support from a registered nurse case manager, information for a healthy pregnancy, and preparing for delivery and care of your baby.

Go to myCigna.com. Select Manage My Health, then My Health Programs and Resources from the drop down menu. Go to Healthy Pregnancies, Healthy Babies and click on Give your baby a great start.

Expert Medical Opinion Services

If you or a family member receive a diagnosis or treatment plan requiring complex medical care, you have access to expert medical opinion services through the Virtual Second Opinion by Cleveland Clinic program. Specialists who are recognized experts in their field will review medical records related to the diagnosis and provide an opinion on the recommended treatment, including a detailed report you can share with your physician or Health Advocate nurse. Expert opinion consults are available at no additional cost to you and can be accessed through a mobile application, web portal, or phone.

Virtual Second Opinion by Cleveland Clinic
844-777-0788 (7 a.m. – 4 p.m. CT)
https://cigna.virtual2ndopinionbycc.io   Once prompted, enter the service key: CIGNA

Musculoskeletal Conditions Support

As a part of your coverage, Hinge Health offers musculoskeletal conditions support at no cost to you, with programs relating to care for different joint and muscle pain needs, for example:

• Prevention (at risk): specific exercises and education

• Acute (recent injury): physical therapy video visits for every body part
• Chronic (high risk): exercise, education and behavioral change
• Surgery (pre & post rehab): pre and post rehabilitation continuity of care

Learn more about this program at www.hingehealth.com/exxonmobil or call 855-902-2777.

Centers of Excellence

Centers of Excellence ("COE") are nationally recognized facilities for the treatment of certain conditions or the delivery of certain procedures where high-level knowledge and expertise provide better care and more likely positive outcomes.

COEs are not available for all diseases and all conditions or procedures relevant to a disease state. For instance, at this time there are COEs for pancreatic cancer, but there is insufficient information available to select COEs for lung cancer. Changes to identified COEs may occur in the future. If you would like to learn more about different COE options you will need to contact the 24 hour nurse line who will put you in contact with a Health Advocate who will be able to discuss different options with you. 

Participation in a COE program is voluntary, and designed to direct participants to nationally recognized facilities with more positive outcomes. A COE-recommended treatment plan, however, must meet the ExxonMobil Medical Plan provisions for medically necessary care in order for claims to be eligible for reimbursement.

Whenever clinically appropriate, you will be referred to a local COE. If access to a clinically appropriate COE requires the patient to travel 60 or more miles, the Medical Plan will reimburse reasonable transportation costs for you and a caregiver. The Medical Plan will also provide a per diem for you and a caregiver to cover lodging and other expenses. If you become hospitalized, only your caregiver will receive the per diem, because food and lodging are already provided as part of the hospital charge. The per diem amounts are established by the Administrator-Benefits.

Please note that a specific cancer diagnosis must occur before you are eligible for travel benefits.

If you decide not to use a COE, you will not incur additional out-of-pocket costs for choosing another hospital in the Cigna network.

2024 Benefits summary

ExxonMobil Employee Medical Plan – Cigna OAPIN Network Only option

2024 In-Network benefits schedule

In-Network Benefits	How this Plan Works
Preventive Services
Preventive Care Office Visit	No charge
Routine Physicals & Immunizations	No charge
Well Woman Care (including Pap Test)	No charge
Mammograms	No charge
Well Baby Care (including Immunizations)	No charge
Preventive Screenings (including Basic Lab Tests, Mammography, Colorectal/Prostate Cancer)	No charge
Physician Services
Telemedicine Consultation, using Cigna designated telemedicine providers	Urgent Care - $60 copay (if using MDLive $25 copay) MDLIVE PCP - $25 copay MDLIVE Behavioral - $25 copay MDLIVE Specialist - $45 copay MDLIVE Wellness - No Charge
Primary Care Physician Office Visit	$25 co-pay
Specialty Care Physician Office Visit	$45 co-pay
Surgery Performed in the Physician's Office	No charge after the $25 PCP or $45 Specialist copay
Allergy Treatment/Injections	No charge after either the office visit copay or the actual charge, whichever is less
Hearing Aids	The cost of physician-prescribed hearing aids will be covered up to $2,500 every 3 years
Inpatient Hospital - Facility Services
Semi Private Room and Board	90% coverage up to the out-of-pocket maximum
Private Room	90% of the Hospital's negotiated rate for a semi-private room, up to the out-of-pocket maximum, then 100% of the Hospital’s negotiated rate for semi-private room
Special Care Units (ICU/CCU)	90% coverage, up to the out-of-pocket maximum
Operating Room, Recovery Room, Oxygen Anesthesia and Respiratory/Inhalation Therapy	90% coverage, up to the out-of-pocket maximum
Inpatient Professional Services
Anesthesiologists	90% coverage, up to the out-of-pocket maximum
Radiologists, Pathologists	90% coverage, up to the out-of-pocket maximum
Surgeon	90% coverage, up to the out-of-pocket maximum
Assistant Surgeon or Co-Surgeon	90% coverage, up to the out-of-pocket maximum
Physician Visit	90% coverage, up to the out-of-pocket maximum
Nursing Care	90% coverage, up to the out-of-pocket maximum
Mastectomy and Breast Reconstruction	90% coverage, up to the out-of-pocket maximum
Diagnostic and Therapeutic Laboratory and X-ray	90% coverage, up to the out-of-pocket maximum
Hemodialysis	90% coverage, up to the out-of-pocket maximum
Radiation Therapy and Chemotherapy	90% coverage, up to the out-of-pocket maximum
Organ Transplant Services	90% coverage, up to the out-of-pocket maximum
Outpatient Facility Services
Operating Room, Recovery Room, Procedure Room, and Treatment	90% coverage, up to the out-of-pocket maximum
Outpatient Professional Services
Anesthesiologists and Respiratory/Inhalation Therapy	90% coverage, up to the out-of-pocket maximum
Radiologists, Pathologists	90% coverage, up to the out-of-pocket maximum
Surgeon	90% coverage, up to the out-of-pocket maximum
Assistant Surgeon or Co-Surgeon	90% coverage, up to the out-of-pocket maximum
Physician Visit/Charges for Outpatient Surgery	90% coverage, up to the out-of-pocket maximum
Hemodialysis	90% coverage, up to the out-of-pocket maximum
Mastectomy and Breast Reconstruction	90% coverage, up to the out-of-pocket maximum
Diagnostic and Therapeutic Laboratory and X-ray	90% coverage, up to the out-of-pocket maximum
Radiation Therapy and Chemotherapy	90% coverage, up to the out-of-pocket maximum
Emergency and Urgent Care Services
Telemedicine Consultation, using Cigna designated telemedicine providers	$25 copay if using MDLive
Urgent Care Facility	$60 copay
Free-Standing ER or Outpatient Facility	$150 copay + 90% coverage
Hospital Emergency Room	$150 copay* + 90% coverage, *Waived if admitted
Ambulance	90% coverage, up to the out-of-pocket maximum
Independent Lab Services
Physician's Office	No Charge after office visit copay
Lab Facility	90% coverage, up to the out-of-pocket maximum
Hospital Outpatient	90% coverage, up to the out-of-pocket maximum
Skilled Nursing
Facility Services	90% coverage, up to the out-of-pocket maximum
Skilled Nursing Room and Board	90% coverage, up to the out-of-pocket maximum
Contract Year Maximum: 60 Days Also including Rehabilitation Hospitals and Sub-Acute Facilities
Home Health Care
Contract Year Maximum: Unlimited	90% coverage, up to the out-of-pocket maximum
Hospice
Inpatient	90% coverage, up to the out-of-pocket maximum
Outpatient	90% coverage, up to the out-of-pocket maximum
Rehabilitative Therapy (including Speech, Occupational, Physical, Chiropractic, Pulmonary, Cardiac and Cognitive Therapy)
Inpatient	90% coverage, up to the out-of-pocket maximum
Maximum of 20 days per calendar year for chiropractic visits, 36 days per calendar year for cardiac visits, 60 days per calendar year for cognitive/pulmonary visits, and 60 days per calendar year for physical/occupational visits	$25 copay if visit is through PCP $45 copay copay if visit is through specialist
Maternity
Initial Visit to Confirm Pregnancy	$25 PCP or $45 Specialist copay
Subsequent Visits (Pre-Natal, Post-Natal, Physician’s Delivery Charges subject to global maternity fee)	90% coverage, up to the out-of-pocket maximum
Office Visits in addition to the global maternity fee when performed by an OB/GYN or Specialist	$25 PCP or $45 Specialist copay
Delivery (Inpatient Hospital, Birthing Center)	90% coverage, up to the out-of-pocket maximum
Women’s FamilyPlanning
Preventive Family Planning Services (office visits, lab and radiology tests, counselling, contraceptive devices, tubal ligation; excludes reversals)	No charge
Men’s Family Planning
Office Visit	$25 PCP or $45 Specialist copay
Surgical Treatment:(includes Vasectomy; excludes Reversals):	90% coverage, up to the out-of-pocket maximum
Inpatient Facility	90% coverage, up to the out-of-pocket maximum
Outpatient Facility	90% coverage, up to the out-of-pocket maximum
Physician's Services	90% coverage, up to the out-of-pocket maximum
Fertility Services
Office Visit	$25 PCP or $45 Specialist copay
Surgical Treatment authorized by Progyny for in-network benefits	90% coverage, up to the out-of-pocket maximum
Inpatient Facility authorized by Progyny for in-network benefits	90% coverage, up to the out-of-pocket maximum
Outpatient Facility authorized by Progyny for in-network benefits	90% coverage, up to the out-of-pocket maximum
Physician's Services authorized by Progyny for in-network benefits	90% coverage, up to the out-of-pocket maximum
Lifetime Maximum: Surgical treatment limited to 2 “smart cycles” as defined and authorized by Progyny (3 cycles if required for first pregnancy)
Durable Medical Equipment
Contract Year Maximum: Unlimited	90% coverage, up to the out-of-pocket maximum
External Prosthetic Appliances	90% coverage, up to the out-of-pocket maximum
Diabetes Services
Diabetes Management Medical Equipment - including blood glucose monitors, monitors designed to be used by blind individuals; insulin pumps and associated appurtenances; insulin infusion devices; and podiatric appliances for the prevention of complications associated with diabetes.	90% coverage, up to the out-of-pocket maximum
Diabetes Supplies - including test strips for blood glucose monitors, visual reading and urine test strips, lancets and lancet devices, insulin and insulin analogs, injection aids, syringes, prescriptive and non-prescriptive oral agents for controlling blood sugar levels, and glucagon emergency kits.	Same as Prescription Drug Copayment
Medical Pharmaceutical Drugs
Cigna Pathwell Specialty Medical Pharmaceuticals Other Medical Pharmaceuticals		90% coverage, up to the out-of-pocket maximum at a Pathwell designated facility; otherwise not covered 90% coverage, up to the out-of-pocket maximum
Pharmacy Benefits
The designation of a prescription drug as Generic, Preferred Brand or Non-Preferred Brand is per generally accepted industry sources and adopted by Cigna.
Preventive Care Prescription Drugs – Including contraception and other medications as provided for by applicable law	No charge
Prescription Drug Products at Retail Pharmacies/30 day supply (No coverage for Injectable Infertility Drugs) Generic Preferred Brand* Non-Preferred Brand*	$15 copay per prescription order or refill – generic formulary drugs 30% co-insurance per prescription order or refill (maximum co-pay is $125) 50% co-insurance per prescription order or refill (maximum copay is $200)
Prescription Drug Products at Retail Designated Pharmacies or Home Delivery/90 day supply - No coverage for Injectable Infertility Drugs Generic Preferred Brand* Non-Preferred Brand*	$30 copay per prescription order or refill – generic formulary drugs 25% co-insurance per prescription order or refill (maximum co-pay is $200) 50% co-insurance per prescription order or refill (maximum copay is $400)
Mental Health and Substance Use Disorder Benefits
Telemedicine Behavioral Health Consultation using Cigna designated telemedicine provider	$25 copay
Individual, Family or Group Therapy Office Visit	$25 Primary Care: Psychologist/psychiatrist counseling/services, 90% coverage: Habilitative / rehabilitative services, up to the out-of-pocket maximum
Inpatient Treatment – includes Hospital, Residential Treatment Facilities, and Partial Hospitalization	90% coverage, up to the out-of-pocket maximum
Intensive Outpatient Treatment – includes Applied Behavior Analysis (ABA) for Autism Spectrum Disorder	90% coverage, up to the out-of-pocket maximum
Home Health Services – includes ABA for Autism Spectrum Disorder	90% coverage, up to the out-of-pocket maximum
Annual Out of Pocket Maximum (combined for medical/surgical, behavioral health/substance use disorder and prescription drug benefits)
Individual Out of Pocket Maximum	$3,000
Family Out of Pocket Maximum	$6,000
If an employee and one or more eligible family members are covered under this option, after one covered family member meets the individual out-of-pocket maximum, benefits for that individual are payable at 100% by the Plan. Once the family meets the family out-of-pocket maximum, benefits for all covered family members are payable at 100%.

*Although the percentage copayments and maximum per prescription for specialty drugs are generally the same as for brand name drugs, higher copayments may be charged for certain preferred specialty medications determined to be non-essential health benefits. However, many of these medications may be available at no cost when purchased through the Plan’s copay assistance program. If the specialty medication being purchased qualifies for copay assistance and is included in the drug list linked here, you will be contacted by a pharmacist from the Accredo specialty pharmacy and asked if you would like to enroll in the program. If you choose not to enroll in the program, a 30% coinsurance with no maximum will apply, and any amount you pay will not count towards your Deductible or Out-of-Pocket Maximums.

Eligible services under the Plan

Eligible services under the Plan for the ExxonMobil Employee Medical Plan - Cigna OAPIN Network Only option

Covered expenses

The term Covered Expenses means the expenses incurred by or on behalf of a covered person for the charges listed below. Expenses incurred for such charges are considered Covered Expenses to the extent that the services or supplies provided are recommended by a Physician and are essential for the necessary care and treatment of an Injury or Sickness. For expenses incurred for such charges to be considered Covered Expenses, the services or supplies provided must be Medically Necessary.

No Cigna Option benefits are payable unless the services or supplies are Covered Expenses recommended by and received from, or approved by, Participating Providers and are authorized by the Provider Organization, except in the case of Emergency Services. For Emergency Services from non-participating providers, participants must submit a claim no later than 60 days after the first Emergency Service is provided or as soon as reasonably possible. The claim should contain an itemized statement of treatment, expenses, and diagnosis.

Other limitations are shown in the General limitations section.

Preventive care and wellness

This section describes the eligible health services and supplies available under your plan when you are well.

Routine physical exams

Covered services include office visits to your physician, PCP or other health professional for routine physical exams. This includes routine vision (through age 18) and hearing screenings (through age 21) given as part of the exam. A routine exam is a medical exam given by a physician for a reason other than to diagnose or treat a suspected or identified illness or injury.

Preventive care immunizations

Covered health services include immunizations for infectious diseases but does not include coverage of immunizations that are not considered preventive care, such as those for employment or travel.

Well woman preventive visits

Covered health services include routine well woman preventive exam office visit, including pap smears, general pelvic exams, and manual breast exams which are given for a reason other than to diagnose or treat a suspected or identified illness or injury.

Preventive screening and counseling services

Covered health services include screening and counseling by your health professional for some conditions. These include obesity, substance use disorders, use of tobacco products, sexually transmitted infection counseling and genetic risk counseling for breast and ovarian cancer.

Routine cancer screenings

Covered health services include the following routine cancer screenings:

• Mammograms
• Prostate specific antigen (PSA) tests
• Colonoscopies which include removal of polyps performed during a screening procedure, and a pathology exam on any removed polyps
• Lung cancer screenings

Prenatal care

Covered health services include the routine prenatal physical exams to monitor maternal weight, blood pressure, fetal heart rate, and fundal height. Note that some prenatal care is billed at the coinsurance rate (reference the Benefit Summary section for more information).

Breast feeding durable medical equipment

Coverage includes renting or buying durable medical equipment you need to pump and store breast milk as follows:

• Breast pump:

• Renting a hospital grade electric pump while your newborn child is confined in a hospital.
• The buying of:

• An electric breast pump (non-hospital grade). Your plan will cover this cost once per pregnancy, or
• A manual breast pump. Your plan will cover this cost once per pregnancy.

• Breast pump supplies and accessories:

• These are limited to only one purchase per pregnancy in any year where a covered female would not qualify for the purchase of a new pump.
• Coverage for the purchase of breast pump equipment is limited to one item of equipment, for the same or similar purpose, and the accessories and supplies needed to operate the item.
• You are responsible for the entire cost of any pieces of the same or similar equipment you purchase or rent for personal convenience or mobility.

Family planning services – female contraceptives

Covered family planning services include counseling services provided by your provider on contraceptive methods, contraceptive devices, and voluntary sterilization (tubal litigation).

Physicians and other health professionals

Physician services

• Charges made by a Physician or a Psychologist for professional services.
• Charges made by a Nurse, other than a member of your family or your Eligible Family Member's family, for professional services.
• Charges made for Telemedicine general medical services and/or behavioral health services provided by Cigna’s designated telemedicine provider as permissible under applicable state and local law. To learn more or initiate services, visit MDLIVE at www.myCigna.com or call 1-800-818-9440.

Alternatives to physician office visits (walk-in clinic)

Covered services include health care services provided in contracted convenience care clinics (for unscheduled, non-medical emergency illnesses and injuries and for immunizations, where administration is within the scope of the clinic’s license).

Hospital and other facility care

Hospital care

• Charges made by a Hospital, on its own behalf, for Bed and Board and other Necessary Services and Supplies; except that for any day of Hospital In Patient Stay, Covered Expenses will not include that portion of charges for Bed and Board which is more than the Hospital’s negotiated rate for a semi-private room.
• Charges made by a Hospital, on its own behalf, for medical care and treatment received as an outpatient.
• Charges made by a Free-standing Surgical Facility, on its own behalf, for medical care and treatment.

Alternatives to hospital stays

Outpatient surgery and physician surgical services

• Charges made for varicose veins surgery when medically necessary.
• If multiple outpatient services are provided on the same day they constitute one visit, but a separate Copayment will apply to the services provided by each provider.

Home health care

• Charges made for Home Health Care Services when you; (a) require skilled care; (b) are unable to obtain the required care as an ambulatory outpatient; and (c) do not require in patient stay in a Hospital or Other Health Care Facility. Home Health Care Services are provided only if Cigna has determined that the home is a medically appropriate setting. If you are a minor or an adult who is dependent upon others for non-skilled care (e.g., bathing, eating, toileting), Home Health Services will only be provided for you during times when there is a family member or care giver present in the home to meet your non-skilled care needs. Home Health Services are those skilled health care services that can be provided during visits by Other Health Care Professionals. The services of a home health aide are covered when rendered in direct support of skilled health care services provided by Other Health Professionals. A visit is defined as a period of 2 hours or less. Home Health Services are subject to a maximum of 16 hours in total per day. Necessary consumable medical supplies and home infusion therapy administered or used by Other Health Professionals in providing Home Health Services are covered. Home Health Services do not include services by a person who is a member of your family or your Eligible Family Member's family or who normally resides in your house or your Eligible Family Member's house even if that person is an Other Health Professional. Physical, occupational, and other Short-Term Rehabilitative Therapy services provided in the home are not subject to the Home Health Services benefit limitations in the Schedule but are subject to the benefit limitations described under Short-Term Rehabilitative Therapy Maximum shown in the In-Network Benefits Schedule.
• Covered Expenses do not include charges made by a Home Health Care Agency for: (a) care or treatment which is not stated in the Home Health Care Plan; (b) the services of a person who is a member of your family or your Eligible Family Member's family or who normally lives in your home or your Eligible Family Member's home; or (c) a period when a person is not under the continuing care of a Physician.

Hospice care

Charges made for you or a covered family member who has been diagnosed as having six months or fewer to live, due to Terminal Illness, for the following Hospice Care Services provided under a Hospice Care Program: (a) by a Hospice Facility for Bed and Board and Services and Supplies, except that, for any day of admission in a private room, Covered Expenses will not include that portion of charges which is more than the Hospice Bed and Board Limit shown in the In-Network Benefits Schedule; (b) by a Hospice Facility for services provided on an outpatient basis; (c) by a Physician for professional services; (d) by a Psychologist, social worker, family counselor or ordained minister for individual and family counseling, including bereavement counseling within one year after the person's death; (e) for pain relief treatment, including drugs, medicines and medical supplies; (f) by a Home Health Care Agency for: part-time or intermittent nursing care by or under the supervision of a Nurse; or part-time or intermittent services of a Home Health Aide; (g) physical, occupational and speech therapy; and (h) medical supplies; drugs and medicines lawfully dispensed only on the written prescription of a Physician; and laboratory services; but only to the extent such charges would have been payable under the Cigna Option if the person had remained or been admitted to a Hospital or Hospice Facility.

The following charges for Hospice Care Services are not included as Covered Expenses:

• For the services of a person who is a member of your family or your Eligible Family Member's family or who normally resides in your house or your Eligible Family Member's house;

• For any period when you or your Eligible Family Member is not under the care of a Physician;
• For services or supplies not listed in the Hospice Care Program;
• For any curative or life-prolonging procedures;
• To the extent that any other benefits are payable for those expenses under the Cigna Option;
• For services or supplies that are primarily to aid you or your Eligible Family Member in daily living;
• For more than three bereavement counseling sessions;
• For services for respite care; or
• For nutritional supplements, non-prescription drugs or substances, medical supplies, vitamins or minerals, except as required by applicable law.

Skilled nursing facility

Charges made by a Skilled Nursing Facility, on its own behalf, for medical care and treatment; except that for any day of Skilled Nursing Facility stay, Covered Expenses will not include that portion which is more than the Skilled Nursing Facility Limit shown in the In-Network Benefits Schedule; nor will benefits be payable for more than the maximum number of days shown in the In-Network Benefits Schedule. Benefits for Rehabilitative Hospitals and Sub-Acute Facilities are also included.

Emergency services and urgent care

Charges made for Emergency Services and Urgent Care.

Specific conditions

Autism spectrum disorder

Applied Behavior Analysis (ABA) will be covered consistent with Cigna’s clinical policy bulletins. Coverage does not include services for custodial care, educational services, or services performed in an academic, vocational or recreational setting.

Gene therapy benefits

The plan covers certain gene therapy medications with no out of pocket drug costs. As of January 1, 2024, included medications are Luxturna®, Zolgensma®, Zynteglo®, Skysona®, Hemgenix®, Roctavian™, Casgevy™, and Lyfgenia™. Cigna will be performing the prior authorization requests and your clinician can request a review as needed by contacting Cigna at 1-800-818-9440. Specific approved therapies will be covered only at certain Cigna in-network facilities, subject to medical necessity review and prior authorization.

Cost share for associated medical claims, i.e. related inpatient stays, would still apply. Due to the rare nature of these medications and limited network access, medical claims associated with the administration of a covered gene therapy medication within this program will be considered non-volitional, which means they will be covered and adjudicated at the in-network level. Questions about medical claims should still be directed to Cigna.

Maternity and related newborn care

Covered services include prenatal and postpartum care and obstetrical services. After your child is born, eligible health services include:

• 3 days of inpatient care in a hospital or birthing center after a vaginal delivery
• 5 days of inpatient care in a hospital or birthing center after a cesarean delivery
• A shorter stay, if the attending physician, with the consent of the mother, discharges the mother or newborn earlier

A birthing center is a facility specifically licensed as a freestanding birthing center by applicable state and federal laws to provide prenatal care, delivery and immediate postpartum care.

Coverage also includes the services and supplies needed for circumcision by a provider.

Mental health treatment

Charges made for Mental Health Services:

• Charges made by a facility licensed to furnish mental health services, on its own behalf, for care and treatment of a mental health condition provided on an inpatient or outpatient basis.
• Mental health services are services that are required to treat a disorder that impairs the behavior, emotional reaction or thought processes. In determining benefits payable, charges made for the treatment of any physiological conditions related to Mental Health will not be considered to be charges made for treatment of Mental Health.
• Inpatient mental health services are services provided by a facility designated for the treatment and evaluation of a Mental Health Condition. In lieu of hospitalization and upon authorization by Cigna, coverage can be provided in a participating Psychiatric Day Treatment Center, Crisis Stabilization Unit, or Residential Treatment Center for Children and Adolescents.
• Outpatient mental health services are services of participating providers qualified to treat Mental Health Condition on an outpatient basis for treatment of conditions such as: anxiety or depression interfering 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; acute exacerbation of chronic mental health conditions (crisis intervention and relapse prevention). Coverage will also be provided for outpatient testing and assessment as authorized.
• Adjunctive group therapy can be utilized for treatment of depression, stress, phobia or other emotional disorders as authorized.

Substance use disorders treatment

• Charges made by a facility licensed to furnish treatment of alcohol and drug abuse, on its own behalf, for care and treatment provided on an inpatient or outpatient basis.
• Substance use disorder is defined as the psychological or physical dependence on alcohol or other mind-altering drugs requiring diagnosis, care, and treatment. To determine benefits payable, charges made for the treatment of any physiological conditions related to rehabilitation services for alcohol or drug abuse or addiction will not be considered to be charges made for treatment of substance use disorder.
• Inpatient substance use disorder rehabilitation services are services provided In-Network for rehabilitation, while you or your eligible Family Member are admitted to a Hospital, requiring diagnosis and treatment of abuse or addiction to alcohol and/or drugs. Inpatient Substance Use Disorder Services include Partial Hospitalization sessions.
• Outpatient substance use disorder rehabilitation services are services provided for the diagnosis and treatment of abuse or addiction to alcohol and/or drugs, while you or your eligible Family Member is not admitted to a Hospital, including outpatient rehabilitation in an individual, group, structured group or in a Substance Use Disorder Intensive Outpatient Structured Therapy Program.  A Substance Use Disorder Outpatient Structured Therapy Program consists of distinct levels or phases of treatment that are provided by a certified/licensed substance use disorder program. Intensive Outpatient Structured Therapy programs provide a combination of individual, family and/or group therapy.
• Substance use disorder detoxification services are detoxification and related medical ancillary services provided when required for the diagnosis and treatment of addiction to alcohol and/or drugs. Cigna will decide, based on the Medical Necessity of each situation, whether such services will be provided in an inpatient or outpatient setting.

Reconstructive surgery and supplies

• Charges made for cosmetic procedures, when medically necessary as defined by Cigna’s clinical guidelines
• Charges made for reconstructive surgery following a mastectomy; benefits include:  (a) surgical services for reconstruction of the breast on which surgery was performed; (b) surgical services for reconstruction of the non-diseased breast to produce symmetrical appearance; (c) postoperative breast prostheses; and (d) mastectomy bras and external prosthetics, limited to the lowest cost alternative available that meets external prosthetic placement needs. During all stages of mastectomy, treatment of physical complications, including lymphedema therapy are covered.
• Charges made for reconstructive surgery or therapy to repair or correct a severe facial disfigurement or severe physical deformity (other than abnormalities of the jaw related to TMJ disorder) provided that (a) the surgery or therapy restores or improves function; or (b) reconstruction is required as a result of medically necessary non-cosmetic surgery; or (c) the surgery or therapy is performed prior to age 19 and is required as a result of the congenital absence or agenesis (lack of formation or development) of a body part including, but not limited to:  microtia, amastia, and Poland Syndrome. Repeat or subsequent surgeries for the same condition are covered only when there is the probability of significant additional improvement as determined by Cigna.

  Gene therapy benefits

• For certain gene therapy medications, the Embarc Gene Therapy Protection program allows members to receive life-changing medications with no out of pocket drug costs. As of 1/1/23, included medications are Luxturna®, Zolgensma®, Zynteglo®, and Skysona®, and Hemgenix, Cigna will be performing the prior authorization requests and your clinician can request a review as needed by contacting Cigna at 1-800-818-9440.

Cost share for associated medical claims, i.e. related inpatient stays, would still apply. Due to the rare nature of these medications and limited network access, medical claims associated with the administration of an a covered gene therapy medication within this program will be considered non-volitional, which means they will be covered and adjudicated at the in-network level. Questions about medical claims should still be directed to Cigna.

Transplant services

Charges made for human organ and tissue transplant services at designated facilities through the United States. All Organ Transplant Services listed below, other than cornea, kidney and autologous bone marrow/stem cell transplants are available when received at a qualified or provisional Cigna Lifesource Organ Transplant Network facility. The transplants that are covered at Participating Provider facilities, other than a Cigna Lifesource Organ Transplant Network facility are cornea, kidney and autologous bone marrow/stem cell transplants.

Coverage is subject to the following conditions and limitations:

• Charges made for human organ and tissue Transplant services which include solid organ and bone marrow/stem cell procedures at designated facilities throughout the United States or its territories. This coverage is subject to the following conditions and limitations.
• Transplant services include the recipient’s medical, surgical and Hospital services; inpatient immunosuppressive medications; and costs for organ or bone marrow/stem cell procurement. Transplant services are covered only if they are required to perform any of the following human to human organ or tissue transplants: allogeneic bone marrow/stem cell, autologous bone marrow/stem cell, cornea, heart, heart/lung, kidney, kidney/pancreas, liver, lung, pancreas or intestine which includes small bowel-liver or multi-visceral.
• All Transplant services, other than cornea, are covered at 90% when received at Cigna LIFESOURCE Transplant Network® facilities. Cornea transplants are not covered at Cigna LIFESOURCE Transplant Network® facilities. Transplant services, including cornea, received at participating facilities specifically contracted with Cigna for those Transplant services, other than Cigna LIFESOURCE Transplant Network® facilities, are payable at the In-Network level. Transplant services received at any other facilities, including Non-Participating Providers and Participating Providers not specifically contracted with Cigna for Transplant services, are not covered.
• Coverage for organ procurement costs are limited to costs directly related to the procurement of an organ, from a cadaver or a live donor. Organ procurement costs shall consist of surgery necessary for organ removal, organ transportation and the transportation (refer to Transplant Travel Services), hospitalization and surgery of a live donor. Compatibility testing undertaken prior to procurement is covered if Medically Necessary. Costs related to the search for, and identification of a bone marrow or stem cell donor for an allogeneic transplant are also covered.
• Charges made for nontaxable travel expenses incurred by you in connection with a preapproved organ/tissue transplant are covered subject to the following conditions and limitations. Transplant travel benefits are not available for cornea transplants. Benefits for transportation and lodging are available to you only if you are the recipient of a preapproved organ/tissue transplant from a designated Cigna LIFESOURCE Transplant Network® facility. The term recipient is defined to include a person receiving authorized transplant related services during any of the following: evaluation, candidacy, transplant event, or posttransplant care. Travel expenses for the person receiving the transplant will include charges for: transportation to and from the transplant site (including charges for a rental car used during a period of care at the transplant facility); and lodging while at, or traveling to and from the transplant site.
• In addition to your coverage for the charges associated with the items above, such charges will also be considered covered travel expenses for one companion to accompany you. The term companion includes your spouse, a member of your family, your legal guardian, or any person not related to you, but actively involved as your caregiver who is at least 18 years of age. The following are specifically excluded travel expenses: any expenses that if reimbursed would be taxable income, travel costs incurred due to travel within 100 miles of your home; food and meals; laundry bills; telephone bills; alcohol or tobacco products; and charges for transportation that exceed coach class rates.
• These benefits are only available when the covered person is the recipient of an organ/tissue transplant. Travel expenses for the designated live donor for a covered recipient are covered subject to the same conditions and limitations noted above. Charges for the expenses of a donor companion are not covered. No benefits are available when the covered person is a donor.
• These benefits are only available when the covered person is the recipient of an organ/tissue transplant. Travel expenses for the designated live donor for a covered recipient are covered subject to the same conditions and limitations noted above.  Charges for the expenses of a donor companion are not covered.  No benefits are available when the covered person is a donor.

Fertility Services

Charges made for Fertility Services when services are authorized by Progyny, the Plan’s designated Fertility Services Network Organization. Covered services when medically necessary include comprehensive fertility treatment, Advanced Reproductive Technology (ART), ovulation induction, cryopreservation services, and coverage for donor tissue purchase as well as member support services and digital tools, for up to three “smart cycles” or episodes of care (four cycles if required for the first pregnancy) as defined by Progyny and when obtained at a Progyny network provider. Dependent children are not eligible for fertility treatment services.

Contact Progyny at 1-833-851-2229 to initiate services. Note: Diagnosis and treatment of the underlying condition continue to be covered under the ExxonMobil Medical Plan through Cigna.

Prescription drug coverage through Progyny Rx. All standard of care fertility medications needed for your treatment will be included in your Smart Cycle benefit. Progyny Rx includes a seamless authorization process, overnight delivery of your medications, and access to pharmacy clinicians to answer your questions

• Examples of how a Smart Cycle can be used:

• Egg Freezing = ½ Smart Cycle
• Frozen Embryo Transfer (FET) = ¼ Smart Cycle
• Frozen Oocyte Transfer (FOT) = ½ Smart Cycle
• Intrauterine Insemination (IUI) or Timed Intercourse (TIC) = ¼ Smart Cycle
• In Vitro Fertilization (IVF) Fresh Cycle or IVF Freeze-All Cycle = ¾ Smart Cycle
• Sperm Freezing = ¼ Smart Cycle
• Surrogacy Embryology Services (pre-transfer) = ½ Smart Cycle

Dependent children are not eligible for fertility services effective January 1, 2023.

Outpatient diagnostic testing

Diagnostic complex imaging services

Charges made for complex imaging services by a provider, including:

• Computed tomography (CT) scans
• Magnetic resonance imaging (MRI) including Magnetic resonance spectroscopy (MRS), Magnetic resonance venography (MRV) and Magnetic resonance angiogram (MRA)
• Nuclear medicine imaging including Positron emission tomography (PET) scans

Complex imaging for preoperative testing is covered under this benefit.

Diagnostic lab work and radiological services

Charges made for anesthetics and their administration; diagnostic x-ray and laboratory examinations; x-ray, radium, and radioactive isotope treatment; chemotherapy; blood transfusions; oxygen and other gases and their administration; formulas for infants (less than one year of age) with PKU, Maple Disease, Histidinemia or Homocystinuria.

Rehabilitative Therapy

• Charges made for Short-Term Rehabilitative Therapy that is part of a rehabilitation program which is medically necessary, including physical, speech, occupational, cognitive, cardiac rehabilitation and pulmonary rehabilitation therapy, when provided in the most medically appropriate setting. Services are provided on an outpatient basis are limited to sixty (60) days per Contract Year for any combination of these therapies, but only if significant improvement can be expected. The maximum day limit for Rehabilitative Therapy does not apply to occupational therapy, physical therapy or speech therapy prescribed for the treatment of covered mental health conditions, including Autism Spectrum Disorder, Down syndrome, cerebral palsy, fetal alcohol syndrome, muscular dystrophy, and other covered developmental delays.
• The following benefit limitations apply to Short-Term Rehabilitative Therapy and Chiropractic Care services:
  • Services which are considered custodial or educational in nature are not covered.
  • Occupational therapy provided only for purposes of enabling performance of the activities of daily living is not covered.

Other services

Initial nutritional evaluation and counseling from a Participating Provider is provided when diet is part of the medical management of a medical or behavioral health condition.

Ambulance service

Charges are covered for licensed ambulance service to or from the nearest Hospital where the needed medical care and treatment can be provided.

Durable medical equipment (DME)

Charges made for the purchase or rental of Durable Medical Equipment that is ordered or prescribed by a Physician and provided by a vendor approved by Cigna for use outside a Hospital or Other Health Care facility. Coverage for repair, replacement or duplicate equipment is provided only when required due to anatomical change and/or reasonable wear and tear. All maintenance and repairs that result from misuse are your responsibility. 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. Charges made for or in connection with approved organ transplant services, including immunosuppressive medication; organ procurement costs; and donor's medical costs. The amount payable for donor's medical costs will be reduced by the amount payable for those costs from any other plan. Certain transplants will not be covered based on General Limitations. Contact Cigna before you incur any such costs. 

Hearing Aids

Benefits are provided up to a maximum of $2,500 after the deductible and coinsurance are paid for one or more hearing aids every rolling 36 months period, which also includes the repair of a hearing aid. However, shipping and handling charges and routine maintenance such as battery replacement are not covered. The amount allowed is subject to reasonable and customary limits but not negotiated rates. The member will be responsible for the difference between the billed and allowable amount regardless of provider participation.

Medical Pharmaceuticals

The plan covers charges made for Medical Pharmaceuticals that may be administered in an Inpatient setting, Outpatient setting, Physician’s office, or in a covered person's home. Benefits under this section are provided only for Medical Pharmaceuticals that, because of their characteristics as determined by Cigna, require a qualified licensed health care  professional to administer or directly supervise administration. Certain Medical Pharmaceuticals are subject to prior authorization requirements or other coverage conditions. Additionally, certain Medical Pharmaceuticals are subject to step therapy requirements. This means that in order to receive coverage, the covered person may be required to try a specific Medical Pharmaceutical before trying others. Medical Pharmaceuticals administered in an Inpatient facility are reviewed per Inpatient review guidelines. Cigna determines the utilization management requirements and other coverage conditions that apply to a Medical Pharmaceutical by considering a number of factors:

• Clinical factors, which may include Cigna’s evaluations of the site of care and the relative safety or relative efficacy of Medical Pharmaceuticals.
• Economic factors, which may include the cost of the Medical Pharmaceutical and assessments of cost effectiveness after rebates.

The coverage criteria for a Medical Pharmaceutical may change periodically for various reasons. For example, a Medical Pharmaceutical may be removed from the market, a new Medical Pharmaceutical in the same therapeutic class as a Medical Pharmaceutical may become available, or other market events may occur. Market events that may affect the coverage status of a Medical Pharmaceutical include an increase in the cost of a Medical Pharmaceutical.

Certain Medical Pharmaceuticals that are used for treatment of complex chronic conditions, are high cost, and are administered and handled in a specialized manner may be subject to additional coverage criteria or require administration by a participating provider in the network for the Cigna Pathwell Specialty Network. Cigna determines which injections, infusions, and implantable drugs are subject to these criteria and requirements.

The Cigna Pathwell Specialty Network includes contracted physician offices, ambulatory infusion centers, home and outpatient hospital infusion centers, and contracted specialty pharmacies. When the Cigna Pathwell Specialty Network cannot meet the clinical needs of the customer as determined by Cigna, exceptions are considered and approved when appropriate.

A complete list of those Medical Pharmaceuticals subject to additional coverage criteria or  that require administration by a participating provider in the Cigna Pathwell Specialty Network is available at www.cigna.com/PathwellSpecialty.

The following are not covered under the plan:

• Medical Pharmaceutical regimens that have a Therapeutic Equivalent or Therapeutic Alternative to another covered Prescription Drug Product(s);
• Medical Pharmaceuticals newly approved by the Food & Drug Administration (FDA) up to the first 180 days following its market launch;
• Medical Pharmaceutical regimens for which there is an appropriate lower cost alternative for treatment.

In the event a covered Medical Pharmaceutical is not clinically appropriate, Cigna makes available an exception process to allow for access to non-covered drugs when Medically Necessary.

Cigna may consider certain Medical Pharmaceutical regimens as preferred when they are clinically effective treatments and the most cost effective. Preferred regimens are covered unless the covered person is not a candidate for the regimen and a Medical Necessity coverage exception is obtained.

Prosthetic devices

• Charges for the purchase, maintenance or repair of internal prosthetic medical appliances consisting of permanent or temporary internal aids and supports for defective body parts; specifically intraocular lenses, artificial heart valves, cardiac pacemakers, artificial joints, intrauterine devices and other surgical materials such as screw nails sutures, and wire mesh; excluding all other prostheses.
• Charges for external breast prostheses incidental to a mastectomy (the Copayments and Maximums for external prostheses do not apply to breast prostheses).
• Charges made for the initial purchase and fitting of external prosthetic devices ordered or prescribed by a Physician which are to be used as replacements or substitutes for missing body parts and are necessary for the alleviation or correction of Sickness, Injury or congenital defect. External prosthetic devices shall include:

• Basic limb prosthetics; terminal devices such as hands or hooks; braces and splints; non-foot orthoses. Only the following nonfoot orthoses are covered: (a) rigid and semirigid custom fabricated orthoses, (b) semirigid prefabricated and flexible orthoses; and (c) rigid prefabricated orthoses including preparation, fitting and basic additions, such as bars and joints.
• Custom foot orthotic. Custom foot orthotics are only covered as follows:
• For covered persons with impaired peripheral sensation and/or altered peripheral circulation (e.g. diabetic neuropathy and peripheral vascular disease).
• When the foot orthotic is an integral part of a leg brace and it is necessary for the proper functioning of the brace.
• When the foot orthotic is for use as a replacement or substitute for a missing part of the foot (e.g. amputation) and is necessary for the alleviation or correction of illness, injury, or congenital defect.
• For covered persons with neurologic or neuromuscular condition (e.g. cerebral palsy, hemiplegia, spina bifida) producing spasticity, malalignment, or pathological positioning of the foot and there is reasonable expectation of improvement.

• The following are specifically excluded:
• External power enhancements or power controls for prosthetic limbs and terminal devices;
• Orthotic shoes, shoe additions, procedures for foot orthopedic shoes, shoe modifications and transfers; and
• Orthoses primarily used for cosmetic rather than functional reasons.
• Replacement and repair of external prosthetic appliances is covered only when required due to reasonable wear and tear and/or anatomical change. All maintenance and repairs that result from the covered person's misuse are the covered person's responsibility.

Spinal manipulation

Charges made for services that are provided by a Participating chiropractic Physician when provided in an outpatient setting. Services of a chiropractic Physician include the management of neuro musculoskeletal conditions through manipulation and ancillary physiological treatment that is rendered to restore motion, reduce pain, and improve function. Such coverage is available only for rehabilitation following injuries, surgery, or medical conditions.

Cigna OAPIN Network Only Prescription drug program

Information on how the ExxonMobil Medical Plan - Cigna OAPIN Network Only Prescription drug program

If you or any one of your Family Members, while covered for these benefits, incurs expenses for charges made by a Participating Pharmacy for Prescription Drugs for an Injury or a Sickness, Cigna will pay that portion of the expense remaining after you or your Family Member has paid the required Copayment shown in the In-Network Benefits Schedule.

Covered expenses will include only Medically Necessary Prescription Drugs and Related Supplies.

Covered charges will include those Prescription Drugs lawfully dispensed upon the written prescription of a Participating Physician or licensed Dentist, at a Participating Pharmacy. Coverage for Prescription Drugs is subject to a Co-payment. The Co-payment amount will never exceed the cost of the drug.

Benefits include coverage of insulin, insulin needles and syringes, glucose test strips and lancets.

If you or any one of your Family Members, while covered for these benefits, is issued a Prescription for a Prescription Drug as part of the rendering of Emergency Services and the prescription cannot reasonably be filled by a Participating Pharmacy, such prescription will be covered as if filled by a Participating Pharmacy.

Limitations

Each prescription drug order or refill will be limited as follows:

• Up to a consecutive thirty (30)-day supply at a Participating Retail Pharmacy, unless limited by the drug manufacturer's packaging;
• Up to a consecutive ninety (90)-day supply at a Participating Mail-Order Pharmacy or a Retail Designated 90 day pharmacy, unless limited by the drug manufacturer's packaging;
• If two or more prescriptions or refills are dispensed at the same time a Co-payment must be paid for each prescription order or refill;
• When a treatment regimen contains more than one type of drug and the drugs are packaged together for the convenience of the covered person, a coinsurance will apply to each type of drug; or
• To a dosage limit as determined by the Cigna HealthCare Pharmacy and Therapeutics Committee.
• Maintenance Drug Products may be filled in an amount up to a consecutive 90 day supply per Prescription Order or Refill at a retail Designated Pharmacy or home delivery Network Pharmacy.
• OAPIN will also apply, step therapy (prior authorization program) rules for certain medications as identified by OAPIN.  Individuals affected by these rules will be contacted directly by Cigna.
• When both a generic and a name brand drug are available, and the participant receives the name brand drug, the member is responsible for the applicable copay and the difference in cost between the name brand drug and the generic drug.

Exclusions

No payment will be made for the following expenses:

• Drugs or medications available over-the-counter for which state or federal laws do not require a prescription or medication that is equivalent (in strength, regardless of form) to an over the counter drug or medication.
• Injectable drugs or medicines used to treat diabetes, acute migraine headaches, anaphylactic reactions, vitamin deficiencies and injectables used for anticoagulation. However, upon prior authorization by Cigna, injectable drugs may be covered subject to the required Copayment;
• Any drugs that are labeled as experimental or investigational.
• Food and Drug Administration (FDA) approved prescription drugs used for purposes other than those approved by the FDA unless the drug is recognized for the treatment of the particular indication in one of the standard reference compendia (The United States Pharmacopeia Drug Information, the American Medical Association Drug Evaluations; or The American Hospital Formulary Service Drug Information) or in medical literature. Medical literature means scientific studies published in a peer-reviewed national professional medical journal.
• Prescription and nonprescription supplies (such as ostomy supplies), devices, and appliances other than syringes used in conjunction with injectable medications and glucose test strips.
• Prescription drugs or medications used for treatment of sexual dysfunction, including, but not limited to erectile dysfunction, delayed ejaculation, anorgasmy and decreased libido.
• Prescription vitamins (other than prenatal vitamins and/or as required by applicable law), dietary supplements and fluoride products, except for formulas prescribed for infants (less than one year of age) by a Participating Physician as necessary for the treatment of phenylketonuria or similar inheritable diseases that may cause or result in mental or physical disability.
• Prescription drugs used for cosmetic purposes such as: drugs used to reduce wrinkles, drugs to promote hair growth, drugs used to control perspiration and fade cream products.
• Diet pills or appetite suppressants (anorectics).
• Prescription smoking cessation products above the dosage limit as determined by Cigna HealthCare Pharmacy and Therapeutics Committee.
• Immunization agents, biological products for allergy immunization, biological sera, blood, blood plasma and other blood products or fractions and medications used for travel prophylaxis, with the exception of malaria prophylactic drugs.  Malaria prophylactic drugs are covered.
• Replacement of Prescription Drugs due to loss or theft except as part of disaster relief efforts.
• Medications used to enhance athletic performance.
• Medications which are to be taken by or administered to a participant while the participant is a patient in a licensed Hospital, skilled nursing facility, rest home or similar institution with a facility dispensing pharmaceuticals on it premises.
• Prescriptions more than one year from the original date of issue.
• A drug class in which at least one of the drugs is available over the counter and the drugs in the class are deemed to be therapeutically equivalent as determined by the Pharmacy and Therapeutics Committee (such as antihistamines).
• All newly FDA approved drugs, prior to review by the Pharmacy and Therapeutics committee.
• Norplant and other implantable contraceptive products.

• Any procedure, treatment or other type of coverage prohibited under federal, state, local or other applicable law.

General limitations

Medical benefits

No payment will be made for expenses incurred for you or any one of your Family Members:

• For or in connection with an Injury arising out of, or in the course of, any employment for wage or profit.
• For or in connection with a Sickness which is covered under any workers' compensation or similar law.
• For charges made by a Hospital owned or operated by or which provides care or performs services for the United States Government, if such charges are directly related to a military-service-connected Sickness or Injury.
• To the extent that payment is unlawful where the person resides when the expenses are incurred;
• For charges which the person is not legally required to pay.
• For charges for unnecessary care, treatment or surgery.
• For or in connection with Custodial Services, education or training.
• To the extent that you or any one of your Family Members is in any way paid or entitled to payment for those expenses by or through a public program, other than Medicaid.
• For experimental drugs or substances not approved by the Food and Drug Administration, or for drugs labeled: "Caution - limited by federal law to investigational use".
• For or in connection with experimental procedures or treatment methods not approved by the American Medical Association or the appropriate medical specialty society.
• For charges made by a Physician for or in connection with surgery which exceed the following maximum when two or more surgical procedures are performed at one time: the maximum amount payable will be the amount otherwise payable for the most expensive procedure, and 1/2 of the amount otherwise payable for all other surgical procedures.

• For charges made by an assistant surgeon / co-surgeons that does not meet: a) the scheduled surgery being in a participating facility and b) participating primary surgeon.
• For charges made for or in connection with the purchase or replacement of contact lenses except as specifically provided under "Exclusive Provider Medical Benefits"; however, the purchase of the first pair of contact lenses that follows cataract surgery will be covered.
• For charges made for or in connection with routine refractions, eye exercises and for surgical treatment for the correction of a refractive error, including radial keratotomy, when eyeglasses or contact lenses may be worn.
• For charges for supplies, care, treatment or surgery which are not considered essential for the necessary care and treatment of an Injury or Sickness, as determined by Cigna.
• For charges made for or in connection with tired, weak or strained feet for which treatment consists of routine footcare, including but not limited to, the removal of calluses and corns or the trimming of nails unless medically necessary.
• For charges made by any covered provider who is a member of your family or your Eligible Family Member's family.
• No payment will be made for expenses incurred for you or any one of your Family Members to the extent that benefits are paid or payable for those expenses under the mandatory part of any auto insurance policy written to comply with:
  • A "no-fault" insurance law; or
  • An uninsured motorist insurance law.
  • Cigna will take into account any adjustment option chosen under such part by you or any one of your Family Members.
• For charges which would not have been made if the person had no insurance;
• To the extent that you or any one of your Family Members is in any way paid or entitled to payment for those expenses by or through a public program, other than Medicaid;
• For Experimental, Investigational or Unproven Services which are medical, surgical, psychiatric, related to substance use disorder or other healthcare technologies, supplies, treatments, procedures, drug therapies, or devices that are determined by Cigna , to be:
  • ·not approved by the U.S. Food and Drug Administration (FDA) to be lawfully marketed for the proposed use and not recognized for the treatment of the particular indication in one of the standard reference compendia (The United States Pharmacopeia Drug Information, the American Medical Association Drug Evaluations, or the American Hospital Formulary Service Drug Information) or in medical literature. Medical literature means scientific studies published in a peer-reviewed national professional journal; or
  • the subject of review or approval by an Institutional Review Board for the proposed use; or
  • the subject of an ongoing clinical trial that meets the definition of a phase I, II, or III Clinical Trial as set forth in the FDA regulations, regardless of whether the trial is subject to FDA oversight; or
  • ·not demonstrated, through existing peer-reviewed literature, to be safe and effective for treating or diagnosing the condition or illness for which its use is proposed.
• For expenses incurred outside the United States or Canada, unless you or your Family Member is a U.S. or Canadian resident and the charges are incurred while traveling on business or for pleasure.
• For non-medical ancillary services, including but not limited to, vocational rehabilitation, behavioral training, sleep therapy, employment counseling, driving safety and services, training, custodial care, or educational therapy for learning, intellectual or developmental disabilities.
• For medical treatment when payment is denied by a Primary Group Health Plan because treatment was received from a non-participating provider;
• For charges which you are not obligated to pay or for which you are not billed or for which you would not have been billed except that they were covered under this plan.
• For medical and Hospital care and costs for the infant child of an Eligible Family Member, unless that infant child is otherwise eligible under this Cigna Option.

Anything not specifically listed as included in “Covered expenses and limitations” section, is excluded.

Exclusions

Exclusions for the ExxonMobil Medical Plan - Cigna OAPIN Network Only option

Covered Expenses will not include, and no payment will be made for, expenses incurred:

Physicians and other health professionals

• For routine physical examinations not required for health reasons including, but not limited to, employment, insurance, government license, court-ordered, forensic or custodial evaluations.
• Unless otherwise covered as a basic benefit, reports, evaluations, physical examinations, or hospitalization not required for health reasons including, but not limited to, employment, insurance or government licenses, and court ordered, forensic or custodial evaluations.
• For which benefits are not payable according to the General limitations section; except that the following will not apply to this section: (a) limitations with respect to a maximum for multiple surgical procedures, an allowable charge for an assistant surgeon or co-surgeon and covered providers being family members; (b) the limitation, if any, with respect to a child under 15 days old; and (c) any certification or second opinion requirements shown in the In-Network Benefits Schedule.

Hospital and other facility care

• Care for health conditions, which are required by state or local law to be treated in a public facility.
• Assistance in the activities of daily living, including, but not limited to eating, bathing, dressing, or other custodial or self-care activities, homemaker services and services primarily for rest, domiciliary or convalescent care.
• For court ordered treatment or hospitalization, unless such treatment is medically necessary and provided by an in-network provider.
• For non-medical ancillary services, including but not limited to vocational rehabilitation, behavioral training, biofeedback, neurofeedback, hypnosis, sleep therapy, employment counseling, back to school, work hardening, driving safety, and services, training, educational therapy or other non-medical ancillary services for learning, intellectual or developmental disabilities.
• For private Hospital rooms and/or private duty nursing unless determined by Cigna to be Medically Necessary
• For personal or comfort items such as personal care kits provided on admission to a Hospital, television, telephone, newborn infant photographs, complimentary meals, birth announcements, and other articles which are not for the specific treatment of an Injury or Sickness.

Specific conditions

• Mental health and substance use disorder services exclusions: any court ordered treatment or therapy, or any treatment or therapy ordered as a condition of parole, probation, or custody or visitation evaluations unless Medically Necessary and otherwise covered under this plan.
• For Treatment/surgery of mandibular or maxillary prognathism, microprognathism or malocclusion, surgical augmentation for orthodontics, or maxillary constriction.
• For or in connection with treatment of the teeth or periodontium unless such expenses are incurred for: (a) charges made for a continuous course of Dental treatment started within six months of an Injury to sound natural teeth; or (b) charges made by a Hospital for Bed and Board or Necessary Services and Supplies; or (c) charges made by a Free-Standing Surgical Facility or the outpatient department of a Hospital in connection with surgery.
• For craniosacral therapy, panniculectomy and abdominoplasty, or prolotherapy.
• For temporomandibular joint dysfunction services.
• For bariatric surgery.
• For varicose vein treatment except when medically necessary.
• For in connection with procedures to reverse sterilization.
• For non-therapeutic or elective abortions.
• For rhinoplasty.

Specific therapies and tests

• For rehabilitative therapy by a licensed physical, occupational or speech therapist, or chiropractor, on an outpatient basis, limited to 60 days per Contract Year for any combination of these therapies but only if significant improvement can be expected as determined by the Cigna Medical Director. The maximum day limit for Rehabilitative Therapy does not apply to occupational therapy, physical therapy or speech therapy prescribed for the treatment of covered mental health conditions, including Autism Spectrum Disorder, Down syndrome, cerebral palsy, fetal alcohol syndrome, muscular dystrophy, and other covered developmental delays.
• For therapy to improve general physical condition if not Medically Necessary, including, but not limited to, routine, long-term chiropractic care, and rehabilitative services which are provided to reduce potential risk factors in patients in which significant therapeutic improvement is not expected.
• For amniocentesis, ultrasound, or any other procedures requested solely for gender determination of a fetus, unless Medically Necessary to determine the existence of a gender -linked genetic disorder.
• For genetic testing and therapy including germ line and somatic unless determined Medically Necessary by Cigna for the purpose of making treatment decisions.

Other services

• For Cosmetic Surgery or Therapy. Cosmetic Surgery or Therapy is defined as surgery or therapy performed to improve appearance or self-esteem, except for those that are primarily for the purpose of restoring a bodily function or surgery, which is medically necessary.
• Any services, except Emergencies, not provided upon the prior written approval of the Cigna Medical Director or rendered by Participating Providers.
• Services primarily of an educational nature or in an educational setting, including but not limited to services for developmental reading disorders, developmental arithmetic disorders, developmental language disorders or developmental articulation disorders.
• Respite, shadow, or companion services.
• Any program or service performed in a nonconventional setting, even if the services are performed by a licensed provider, including: spas/resorts, outdoor learning or leadership programs; academic, vocational, or recreational settings.
• Counseling for borderline intellectual functioning.
• Counseling for occupational problems.
• Counseling related to consciousness raising.
• Vocational or religious counseling.
• I.Q. testing.
• Custodial care, including but not limited to geriatric day care.
• Psychological testing on children requested by or for a school system.
• Occupational/recreational therapy programs even if combined with supportive therapy for age-related cognitive decline.
• For replacement of external prostheses due to wear and tear resulting from misuse or abuse, loss, theft or destruction; or for any biomechanical external prosthetic devices.
• For penile prostheses, unless Medically Necessary.
• For the following vision care service, by way of example, but not of limitation: services or items related to orthoptics or vision training; magnification vision aids; charges for tinting, antireflective coatings, prescription sunglasses or light sensitive lenses; an eye examination required by an employer as a condition of employment or which an employer is required to provide under a collective-bargaining agreement; any eye exam required by law; safety glasses or lenses required for employment; any non-prescription eyeglasses, lenses or contact lenses.
• The limitation with respect to routine eye refraction's in the General limitations section will not apply to coverage for complete eye examinations.
• For treatment by acupuncture.
• For artificial aids including, but not limited to, corrective orthopedic shoes, arch supports, elastic stockings, garter belts, corsets, hearing aids, dentures and wigs.
• For consumable medical supplies other than ostomy supplies and urinary catheters. Excluded supplies include, but are not limited to bandages and other disposable medical supplies, skin preparations and test strips, except as specified in the "Home Health Services" or "Breast Reconstruction and Breast Prostheses" sections of Covered expenses.
• For membership costs or fees associated with health clubs, weight loss programs and smoking cessation programs.
• For fees associated with the collection or donation of blood or blood products, except for autologous donation in anticipation of scheduled services where in Cigna’s opinion the likelihood of excess blood loss is such that transfusion is an expected adjunct to surgery.
• For blood administration for the purpose of general improvement in physical condition.
• For the cost of biologicals that are immunizations or medications for the purpose of the travel, or to protect against occupational hazards and risks.
• For cosmetics, dietary supplements, health and beauty aids and nutritional formulae. However, nutritional formulae for infants (less than one year of age) are covered when required for: (a) the treatment of inborn errors of metabolism or inherited metabolic disease (including disorders of amino acid and organic acid metabolism); or (b) enteral feeding for which the nutritional formulae under state or federal law can be dispensed only through a Physician's prescription, and are Medically Necessary as the primary source of nutrition.
• For all noninjectable prescription drugs, nonprescription drugs, and investigational and experimental drugs, except as provided in the Covered expenses section of this booklet.
• For which benefits are not payable according to the General limitations section.
• Any procedure, treatment or other type of coverage prohibited under federal, state, local or other applicable law.

Notice of federal requirements

Federal requirements related to the ExxonMobil Medical Plan - Cigna OAPIN Network Only option

Women's Health and Cancer Rights Act

If you have a mastectomy, at any time, and decide to have breast reconstruction, based on consultation with your attending physician, the following benefits will be subject to the same percentage copayment and deductibles which apply to other plan benefits:

• Reconstruction of the breast on which the mastectomy was performed,
• Surgery and reconstruction of the other breast to produce a symmetrical appearance,
• Prostheses, and
• Services for physical complications in all stages of mastectomy, including lymphedema.

The above benefits will be provided subject to the same deductibles, copayments and limits applicable to other covered services.

If you have any questions about your benefits, please contact Cigna Customer Service.

Coverage for maternity hospital stay

Under federal law, the Plan may not restrict benefits for any hospital length of stay in connection with childbirth for the mother or newborn child to less than 48 hours following a vaginal delivery, or less than 96 hours following a cesarean section, or require that a provider obtain authorization from the Plan for prescribing a length of stay not in excess of the above periods. The law generally does not prohibit an attending provider of the mother or newborn, in consultation with the mother, from discharging the mother or newborn earlier than 48 or 96 hours, as applicable.

Claim determination procedures

Claim determination procedures for the ExxonMobil Medical Plan - Cigna OAPIN Network Only option

Procedures regarding medical necessity determinations

In general, health services and benefits must be medically necessary to be covered under the Plan. The procedures for determining medical necessity vary, according to the type of service or benefit requested, and the type of health plan. Medical necessity determinations are made on either a pre-service, concurrent, or post-service basis, as described below.

Certain services require prior authorization in order to be covered. This prior authorization is called a pre-service medical necessity determination. This booklet describes who is responsible for obtaining this review. You or your authorized representative (typically, your health care provider) must request medical necessity determinations according to the procedures described below, and in your provider's network participation documents as applicable. When services or benefits are determined to be not medically necessary, you or your representative will receive a written description of the adverse determination, and may appeal the determination. Appeal procedures are described below, in your provider's network participation documents, and in the determination notices.

Note: An oral statement made to you by a representative of Cigna or its designee that indicates, for example, a particular service is a covered expense, is authorized for coverage by the plan, or that you are eligible for coverage is not a guarantee that you will receive benefits for services under this plan. Cigna will make a benefit determination after a claim is received from you or your authorized representative, and the benefit determination will be based on, your eligibility as of the date services were rendered to you and the terms and conditions of the plan in effect as of the date services were rendered to you.

Pre-service medical necessity determinations

When you or your representative request a required medical necessity determination prior to care, Cigna will notify you or your representative of the determination within 15 days after receiving the request. However, if more time is needed due to matters beyond Cigna's control, Cigna will notify you or your representative within 15 days after receiving your request. This notice will include the date a determination can be expected, which will be no more than 30 days after receipt of the request. If more time is needed because necessary information is missing from the request, the notice will also specify what information is needed, and you or your representative must provide the specified information to Cigna within 45 days after receiving the notice. The determination period will be suspended on the date Cigna sends such a notice of missing information, and the determination period will resume on the date you or your representative responds to the notice.

If the determination periods above would (a) seriously jeopardize your life or health, your ability to regain maximum function, or (b) in the opinion of a Physician with knowledge of your health condition, cause you severe pain which cannot be managed without the requested services, Cigna will make the pre-service determination on an expedited basis. Cigna's Physician reviewer, in consultation with the treating Physician, will decide if an expedited appeal is necessary. Cigna will notify you or your representative of an expedited determination within 72 hours after receiving the request. However, if necessary information is missing from the request, Cigna will notify you or your representative within 24 hours after receiving the request to specify what information is needed. You or your representative must provide the specified information to Cigna within 48 hours after receiving the notice. Cigna will notify you or your representative of the expedited benefit determination within 48 hours after you or your representative responds to the notice. Expedited determinations may be provided orally, followed within 3 days by written or electronic notification.

If you or your representative attempts to request a preservice determination but fails to follow Cigna's procedures for requesting a required pre-service medical necessity determination, Cigna will notify you or your representative of the failure and describe the proper procedures for filing within five days (or 24 hours, if an expedited determination is required, as described above) after receiving the request. This notice may be provided orally, unless you or your representative requests written notification.

Concurrent medical necessity determinations

When an ongoing course of treatment has been approved for you and you wish to extend the approval, you or your representative must request a required concurrent medical necessity determination at least 24 hours prior to the expiration of the approved period of time or number of treatments. When you or your representative requests such a determination, Cigna will notify you or your representative of the determination within 24 hours after receiving the request.

Post-service medical necessity determinations

When you or your representative requests a medical necessity determination after services have been rendered, Cigna will notify you or your representative of the determination within 30 days after receiving the request. However, if more time is needed to make a determination due to matters beyond Cigna's control Cigna will notify you or your representative within 30 days after receiving the request. This notice will include the date a determination can be expected, which will be no more than 45 days after receipt of the request.

If more time is needed because necessary information is missing from the request, the notice will also specify what information is needed, and you or your representative must provide the specified information to Cigna within 45 days after receiving the notice. The determination period will be suspended on the date Cigna sends such a notice of missing information, and the determination period will resume on the date you or your representative responds to the notice.

Notice of adverse determination

Every notice of an adverse benefit determination will be provided in writing or electronically, and will include all of the following that pertain to the determination: (1) the specific reason or reasons for the adverse determination; (2) reference to the specific plan provisions on which the determination is based; (3) a description of any additional material or information necessary to perfect the claim and an explanation of why such material, or information is necessary; (4) a description of the Plan's review procedures and the time limits applicable, including a statement of a claimant's rights to bring a civil action under section 502(a) of ERISA following an adverse benefit determination on appeal; (5) upon request and free of charge, a copy of any internal rule, guideline, protocol or other similar criterion that was relied upon in making the adverse determination regarding your claim, and an explanation of the scientific or clinical judgment for a determination that is based on a medical necessity, experimental treatment or other similar exclusion or limit; (6) in the case of a claim involving urgent care, a description of the expedited review process applicable to such claim.

When you have a complaint or an appeal

What to do when you have a complaint or an appeal on the ExxonMobil Medical Plan - Cigna OAPIN Network Only option

For the purposes of this section, any reference to you or your also refers to a representative or provider designated by you to act on your behalf; unless otherwise noted.

We want you to be completely satisfied with the care you receive. That is why we have established a process for addressing your concerns and solving your problems.

Start with customer service

We are here to listen and help. If you have a concern regarding a person, a service, the quality of care, contractual benefits, or a rescission of coverage, you may call the toll-free number on your ID card, explanation of benefits, or claim form and explain your concern to one of our Customer Service representatives. You may also express that concern in writing.

We will do our best to resolve the matter on your initial contact. If we need more time to review or investigate your concern, we will get back to you as soon as possible, but in any case within 30 days. If you are not satisfied with the results of a coverage decision, you may start the appeals procedure.

Internal appeals procedure

To initiate an appeal, you must submit a request for an appeal in writing to Cigna within 180 days of receipt of a denial notice. If you appeal a reduction or termination in coverage or an ongoing course of treatment that Cigna previously approved, you will receive, as required by applicable law, continued coverage pending the outcome of an appeal. You should state the reason why you feel your appeal should be approved and include any information supporting your appeal. If you are unable or choose not to write, you may ask Cigna to register your appeal by telephone. Call or write us at the toll-free number on your ID card, explanation of benefits, or claim form.

Your appeal will be reviewed and the decision made by someone not involved in the initial decision. Appeals involving Medical Necessity or clinical appropriateness will be considered by a health care professional.

We will respond in writing with a decision within 30 calendar days after we receive an appeal for a required preservice or concurrent care coverage determination or a post-service Medical Necessity determination. We will respond within 60 calendar days after we receive an appeal for any other post-service coverage determination. If more time or information is needed to make the determination, we will notify you in writing to request an extension of up to 15 calendar days and to specify any additional information needed to complete the review.

In the event any new or additional information (evidence) is considered, relied upon or generated by Cigna in connection with the appeal, Cigna will provide this information to you as soon as possible and sufficiently in advance of the decision, so that you will have an opportunity to respond. Also, if any new or additional rationale is considered by Cigna, Cigna will provide the rationale to you as soon as possible and sufficiently in advance of the decision so that you will have an opportunity to respond.

You may request that the appeal process be expedited if, (a) the time frames under this process would seriously jeopardize your life, health or ability to regain maximum functionality or in the opinion of your Physician would cause you severe pain which cannot be managed without the requested services, or (b) your appeal involves nonauthorization of an admission or continuing inpatient Hospital stay.

If you request that your appeal be expedited based on (a) above, you may also ask for an expedited external review at the same time, if the time to complete an expedited review would be detrimental to your medical condition.

When an appeal is expedited, Cigna will respond orally with a decision within 72 hours, followed up in writing.

External review procedure

If you are not fully satisfied with the decision of Cigna's internal appeal review and the appeal involves medical judgment, a rescission of coverage, or an adverse determination for surprise bills (medical and air ambulance bills, including a determination of whether an adverse determination is subject to surprise billing provisions), you may request that your appeal be referred to an Independent Review Organization (IRO). The IRO is composed of persons who are not employed by Cigna, or any of its affiliates. A decision to request an external review to an IRO will not affect the claimant's rights to any other benefits under the Plan.

There is no charge for you to initiate an external review. Cigna and your benefit plan will abide by the decision of the IRO.

To request a review, you must notify the Appeals Coordinator within 4 months of your receipt of Cigna's appeal review denial. Cigna will then forward the file to a randomly selected IRO. The IRO will render an opinion within 45 days.

When requested, and if a delay would be detrimental to your medical condition, as determined by Cigna's Physician Reviewer, or if your appeal concerns an admission, availability of care, continued stay, or health care item or service for which you received emergency services, but you have not yet been discharged from a facility, the external review shall be completed within 72 hours.

Notice of benefit determination on appeal

Every notice of a determination on appeal will be provided in writing or electronically and, if an adverse determination, will include: information sufficient to identify the claim; the specific reason or reasons for the adverse determination; reference to the specific plan provisions on which the determination is based; a statement that the claimant is entitled to receive, upon request and free of charge, reasonable access to and copies of all documents, records, and other Relevant Information as defined below; a statement describing any voluntary appeal procedures offered by the Plan and the claimant's right to bring an action under ERISA section 502(a), if applicable; upon request and free of charge, a copy of any internal rule, guideline, protocol or other similar criterion that was relied upon in making the adverse determination regarding your appeal, and an explanation of the scientific or clinical judgment for a determination that is based on a Medical Necessity, experimental treatment or other similar exclusion or limit, and information about any office of health insurance consumer assistance or ombudsman available to assist you in the appeal process. A final notice of an adverse determination will include a discussion of the decision.

You also have the right to bring a civil action under section 502(a) of ERISA if you are not satisfied with the decision on review. You or your plan may have other voluntary alternative dispute resolution options such as Mediation. One way to find out what may be available is to contact your local U.S. Department of Labor office or the Plan Administrator.

Relevant information

Relevant Information is any document, record or other information which: was relied upon in making the benefit determination; was submitted, considered or generated in the course of making the benefit determination, without regard to whether such document, record, or other information was relied upon in making the benefit determination; demonstrates compliance with the administrative processes and safeguards required by federal law in making the benefit determination, or constitutes a statement of policy or guidance with respect to the Plan concerning the denied treatment option or benefit for the claimant's diagnosis, without regard to whether such advice or statement was relied upon in making the benefit determination.

Legal action

If your plan is governed by ERISA, you have the right to bring a civil action under section 502(a) of ERISA if you are not satisfied with the outcome of the Appeals Procedure. In most instances, you may not initiate a legal action against Cigna until you have completed the appeal processes. However, no action will be brought at all unless brought within three years after proof of claim is required under the Plan. However, no action will be brought at all unless brought within three years after a claim is submitted for In-Network Services or within three years after proof of claim is required under the Plan for Out-of-Network service

Administrative and ERISA information

Administrative and ERISA information for the ExxonMobil Employee Medical Plan - Cigna OAPIN Network Only option

Basic Medical Plan information

Plan name

ExxonMobil Medical Plan

This SPD describes the Cigna Open Access Plus in network (OAPIN) option.

Plan sponsor and participating affiliates

The ExxonMobil Medical Plan is sponsored by:

Exxon Mobil Corporation
22777 Springwoods Village Pkwy
Spring, TX 77389

All of Exxon Mobil Corporation's divisions and most of the major U.S. affiliates participate in the ExxonMobil Medical Plan. A complete list of participating affiliates is available from the Administrator-Benefits upon written request. 

Certain employees covered by collective bargaining agreements do not participate in the plan.

Plan numbers

The ExxonMobil Medical Plan is identified with government agencies under two numbers:

The Employer Identification Number (EIN), 13-5409005, and the Plan Number (PN), 538.

Plan administrator and discretionary authority

The Plan Administrator of the ExxonMobil Medical Plan is the Administrator-Benefits who is the Manager-Global Benefits Design, Exxon Mobil Corporation. The Administrator-Benefits (and those to whom the Administrator-Benefits has delegated authority) has the full and final discretionary authority to determine eligibility for benefits.  Various aspects of the Cigna Option are administered by Cigna.

The Administrator-Benefits has delegated to Cigna the full and final discretionary authority to interpret and apply plan terms and to make factual determinations in connection with its review of claims under the Cigna Open Access Plus-In Network Option. Such discretionary authority is intended to include, but not limited to, the determination of the eligibility of persons desiring to enroll in or claim benefits under the Cigna Option, the determination of whether a person is entitled to benefits under the Cigna Option, and the computation of any and all benefit payments. The Administrator-Benefits also delegates to Cigna the full and final discretionary authority to perform a full and fair review, as required by ERISA, of each claim denial which has been appealed by the claimant or his duly authorized representative.

You may contact the Administrator-Benefits at the following address. Legal process may be served upon the Administrator-Benefits c/o Exxon Mobil Corporation by serving the Corporation’s Registered Agent for Service of Process, Corporation Service Company (CSC).

For appeals of eligibility or enrollment issues:

Administrator-Benefits

Address: Dept 02694, P.O. Box 64116
The Woodlands, TX, 77387-4116

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

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

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

For service of legal process:

Corporation Service Company
211 East 7th Street, Suite 620
Austin, TX 78701-3218

Cigna - for appeals on benefits issues:

Cigna may be contacted for appeals of benefits issues at an address provided by calling Cigna Customer Service or as reflected on your Explanation of Benefits.

NOTE: No appeals of eligibility will be available regarding decisions that a  dependent child no longer meets the clinical definition of totally and continuously disabled. All decisions by Cigna confirming a dependent no longer meets the clinical definition of totally and continuously disabled are final.

Type of plan

The ExxonMobil Medical Plan is a welfare plan under ERISA providing medical benefits.

Plan year

The Plan's fiscal year ends on December 31.

Collective bargaining agreements

The Medical Plan is maintained pursuant to one or more collective bargaining agreements and if a particular Employer is a sponsor. Copies of applicable collective bargaining agreements are available for examination from the Administrator-Benefits upon written request.

Eligibility for participation in the ExxonMobil Medical Plan by represented Employees is governed by local bargaining requirements.

Funding

The Cigna Option, is funded solely through contributions by the Employer and/or Plan Participants. Benefits under the Medical Plan are funded through participant and company contributions. Each year, Exxon Mobil Corporation determines the rates of required participant contributions to the ExxonMobil Medical Plan. These rates are based on past and projected Cigna Option experience. (See self-funded plan in the Key terms section.)

Claims processor

Cigna is the claims processor and claims fiduciary.

No implied promises

Nothing in this booklet says or implies that participation in the ExxonMobil Medical Plan is a guarantee of continued employment with the company.

Future of the Plan

The company reserves the right at any time and for any reason to terminate, suspend, withdraw, amend or modify the ExxonMobil Medical Plan or any of its provisions. If any changes are made in the future, you will be notified in accordance with legal requirements. In the event the ExxonMobil Medical Plan is terminated, you will have the right to elect continuation coverage, as described in the COBRA section of this guide, in any other health plan maintained by ExxonMobil or its controlled group

Your rights under ERISA

As a participant in the ExxonMobil Medical Plan, you have certain rights and protections under the Employee Retirement Income Security Act of 1974 (ERISA). ERISA provides that all participants shall be entitled to:

Receive information about your plan and benefits

Examine, without charge, at the office of the Administrator-Benefits and at other specified locations, such as worksites, and union halls, all documents governing the Medical Plan, including contracts and collective bargaining agreements, and a copy of the latest annual report (Form 5500 Series) filed by the Medical Plan with the U.S. Department of Labor and available at the Public Disclosure Room of the Employee Benefits Security Administration.

Obtain, upon written request to the Administrator-Benefits, copies of documents governing the operation of the Medical Plan, including collective bargaining agreements, and copies of the latest annual report (Form 5500 Series) and updated SPD. The administrator may require a reasonable charge for the copies.

Receive a summary of the Medical Plan’s annual financial report. The Administrator-Benefits is required by law to furnish each participant with a copy of this Summary Annual Report.

Prudent actions by plan fiduciaries

In addition to creating rights for ExxonMobil Medical Plan participants, ERISA imposes duties upon the people who are responsible for the operation of the employee benefit plan. The people who operate your Medical Plan, called "fiduciaries" of the Medical Plan, have a duty to do so prudently and in the interest of you and other Medical Plan participants and beneficiaries. No one, including your employer, your union, or any other person, may fire you or otherwise discriminate against you in any way to prevent you from obtaining a plan benefit or exercising your rights under ERISA.

Enforce your rights

If your claim for a benefit is denied or ignored, in whole or in part, you have a right to know why this was done, to obtain copies of documents relating to the decision without charge, and to appeal any denial, all within certain time schedules.

Under ERISA, there are steps you can take to enforce the above rights. For instance, if you request a copy of the ExxonMobil Medical Plan documents or the latest Summary Annual Report from the ExxonMobil Medical Plan and do not receive them within 30 days, you may file suit in a Federal court. In such a case, the court may require the Administrator-Benefits to provide the materials and pay you up to $110 a day until you receive the materials, unless the materials were not sent because of reasons beyond the control of the administrator.

If you have a claim and an appeal for benefits, which are denied or ignored, in whole or in part, you may file suit in a Federal court. Such lawsuit must be filed in the United States District Court for the Southern District of Texas, Houston, Texas, or in the United States District Court for the federal judicial district where the employee currently works.  If a retiree or terminee, the suit must be filed in the last location worked prior to termination of employment. Beneficiaries must also file in the same federal judicial district that the employee or retiree would be required to file.  Any such lawsuits must be brought within one year of the date on which an appeal was denied.

The court will decide who should pay court costs and legal fees.  If you are successful, the court may order the person you have sued to pay these costs and fees. If you lose, the court may order you to pay these costs and fees, for example, if it finds your claim is frivolous.

Applicable Law

The Plan and all rights hereunder are governed by and construed, administered, and regulated in accordance with the provisions of ERISA, HIPAA, and the Internal Revenue Code (“Code”) to the extent applicable, and to the extent not preempted by ERISA, the laws of the state of Texas, without giving effect to its conflicts of laws provision.  The Plan may not be interpreted to require any person to take action, or fail to take any action, if to do so would violate any applicable law.

Nonalienation of Benefits. 

No benefit, right or interest of any Covered Person under the Plan shall be subject to anticipation, alienation, sale, transfer, assignment, pledge, encumbrance, charge, garnishment, execution or levy of any kind, either voluntary or involuntary, including any liability for, or subject to, the debts, liabilities or other obligations of such person; and any attempt to anticipate, alienate, sell, transfer, assign, pledge, encumber, charge, garnish, execute or levy upon, or otherwise dispose of any right to benefits payable hereunder or legal causes of action, shall be void.  Notwithstanding the foregoing, the Plan may choose to remit payments directly to health care providers with respect to covered services, if authorized by the Covered Person, but only as a convenience to Covered Persons.  Health care providers are not, and shall not be construed as, either “participants” or “beneficiaries” under this Plan and have no rights to receive benefits from the Plan or to pursue legal causes of action on behalf of (or in place of) Covered Persons under any circumstances.

Uncashed Checks 

If a check to a Participant for benefits under the Plan remains uncashed after issue, amounts attributable to such check shall remain in the Plan until the time the participant has requested these funds even if the Participant leaves the plan. Contact Cigna Customer Service for additional information.

Assistance with your questions

If you have any questions about the ExxonMobil Medical Plan, you should contact the Plan Administrator. If you have any questions about your rights under ERISA, or if you need assistance in obtaining documents from the Administrator-Benefits, you should contact the nearest office of the Employee Benefits Security Administration, U.S. Department of Labor, listed in your telephone directory or the Division of Technical Assistance and Inquiries, Employee Benefits Security Administration, U.S. Department of Labor, 200 Constitution Avenue N.W., Washington, D.C. 20210. You may also obtain certain publications about your rights and responsibilities under ERISA by calling the publications hotline of the Employee Benefits Security Administration.

Key terms

List of key terms in the ExxonMobil 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.

Examples of expenses or services that are not Allowable Expenses include, but are not limited to the following:

• An expense or service or a portion of an expense or service that is not covered by any of the Plans is not an Allowable Expense.
• If you are admitted to a private Hospital room and no Group Health Plan provides coverage for more than a semiprivate room, the difference in cost between a private and semiprivate room is not an Allowable Expense.
• If you are covered by two or more Group Health Plans that provide services or supplies on the basis of reasonable and customary fees, any amount in excess of the highest reasonable and customary fee is not an Allowable Expense.
• If you are covered by one Group Health Plan that provides services or supplies on the basis of reasonable and customary fees and one Group Health Plan that provides services and supplies on the basis of negotiated fees, the Primary Group Health Plan’s fee arrangement shall be the Allowable Expense.
• If your benefits are reduced under the Primary Group Health Plan (through the imposition of a higher copayment amount, higher coinsurance percentage, a deductible and/or a penalty) because you did not comply with Group Health Plan provisions or because you did not use a preferred provider, the amount of the reduction is not an Allowable Expense. Such Group Health Plan provisions include second surgical opinions and pre-certification of admissions or services.

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 Medical Plan. It is your responsibility to contact the benefits administration entity with any required notices and address changes. If your status is not listed, call the ExxonMobil Benefits Service Center.  

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

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

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

ExxonMobil sponsored sites

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

• Employee EM Connect, the Human Resources intranet site

Can be accessed at work by employees.

• ExxonMobil Family, the Human Resources internet site

Can be accessed from home by everyone at www.exxonmobilfamily.com. 

Charges

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

Child

A person under age 26 who is:

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

Copayment

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 employees

Most U.S. dollar-paid employees of Exxon Mobil Corporation and participating affiliates are eligible. The person must be on the employer's books and records as an employee.

The following are not eligible to participate in the Medical Plan: leased employees as defined in the Code, barred employees, or special agreement persons as defined in the Medical Plan document. Generally, special-agreement persons are persons paid by the company on a commission basis, persons working for an unaffiliated company that provides services to the company, and persons working for the company pursuant to a contract that excludes coverage of benefits.

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; or

2. is totally and continuously disabled and incapable of self-sustaining employment by reason of mental or physical disability, provided the child:

a. meets the Internal Revenue Service's definition of a dependent and

b. was covered as an eligible family member under this Plan immediately prior to age 26 when the child’s eligibility would have otherwise ceased, and

c. met the clinical definition of totally and continuously disabled before age 26 and continues to meet the clinical definition through subsequent periodic reassessment reviews; or

3. 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 paragraphs 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 employee’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.

Employer

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.

Extended part-time employee

An employee who is designated as a non-regular employee but who has been designated as an Extended Part-time employee under their employer's employment policies relating to flexible work arrangements.

ExxonMobil Medical Plan (medical plan)

The plan sponsored by Exxon Mobil Corporation, which provides medical benefits for eligible employees and their family members and includes as one option the Cigna Option.

ExxonMobil Retiree Medical Plan

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

Formulary

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  generally which 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 stay 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 supplement 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;
• 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 home. To qualify, the plan must be established and approved in writing by a Physician who certifies that the person would require in patient stay in a Hospital or Skilled Nursing Facility if he 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.

Hospital

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 amental 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.

Injury

The term Injury means an accidental bodily injury.

Medicaid

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.

Medicare

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

Network

Providers and facilities that are available within the open access network under this Cigna Option. Cigna will maintain a directory of available in-network providers at myCigna.com.

Nurse

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 illness health services

Outpatient Mental Illness Health Services are services of providers who are qualified to treat mental illness health when treatment is provided on an outpatient basis, while you or your eligible/covered Family Member is not admitted to 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 illness health 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.

Physician

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.

Psychologist

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.

Qualified medical child support order (QMCSO)

A Qualified Medical Child Support Order (QMCSO) is a court decree under which a court order mandates health coverage for a child. A QMCSO must include, at a minimum:

• Name and address of the Employee covered by the health plan.
• The name and address of each child for whom coverage is mandated.
• A reasonable description for the coverage to be provided.
• The time period of coverage.
• The name of each health plan to which the order applies.

You may obtain, without charge, a copy of the Medical Plan's procedures governing QMCSO determinations by written request to the Administrator-Benefits.

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.

Retiree

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 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 regular or non-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.

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 Medical Plan, is an option set up by ExxonMobil to set aside funds to pay employees’ 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 Medical Plan is a self-funded plan.

Cigna is responsible for only administering the plan. (i.e., Cigna is the claims processor for the self-funded plan.) ExxonMobil is responsible for funding the plan to pay health claims. This does not impact the benefits provided under the Cigna Option under the Medical Plan. 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, and are not legally separated, regardless of where the individual(s) are domiciled..

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.

Trainee

An employee who is classified as a non-regular employee, but who has been characterized as a Trainee and has graduated from high school.

Visit 

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.