Changing your coverage

Changing coverage for the ExxonMobil Retiree Medical HMO - Cigna OAPIN Plan

To make a change to your retiree medical plan option, you must wait until Annual Enrollment or until you experience one of the following Changes in Status.

Since, as a retiree, you are enrolled on an after-tax basis, you may add an eligible family member to your existing plan option at any time.  Coverage is effective the first of the month following receipt of your written election by Benefits Administration and payment of contributions.

Changes in status

This section explains which events are considered changes in status and what changes you may make as a result. If you have a change in status, forms should be completed within 60 days.

The following is a quick reference guide to the Changes in Status that are discussed in more detail after the table.

 

The medical enrollment form should be received within 60 days of the event by the Benefits Service Center. Unless otherwise noted, the effective date will be the first of the month after the forms are received.

Marriage

If you are enrolled in the Retiree Medical Plan, you can enroll your new spouse and his or her eligible family members (your stepchildren) for coverage. You also may change your plan option. If you are not already enrolled for coverage, you can sign up for medical coverage for yourself, your new spouse, and your stepchildren. If you gain coverage under your spouse's health plan, you can cancel your coverage.

Divorce

In the case of divorce, your former spouse and any stepchildren are eligible for coverage only through the end of the month in which the divorce is final. You must notify and provide any requested documents to Benefits Administration as soon as your divorce is final. If you fail to notify and provide the appropriate forms to Benefits Administration within 60 days, the former spouse and family member will not be entitled to elect COBRA. There may also be consequences for falsifying company records. Please see the Continuation coverage section of this SPD.

You may not make a change to your coverage if you and your spouse become legally separated because there is no impact on eligibility.

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.

Birth, adoption or placement for adoption

If you gain a family member through birth, adoption, or placement for adoption you may add the new eligible family member to your current coverage. You may also enroll yourself, your spouse, and all eligible children. You also may change your plan option. Coverage is effective on the date of birth, adoption or placement for adoption. See the Changing your coverage section for additional circumstances in which changes can be made.

When a child is no longer eligible 

If an enrolled family member is no longer an eligible family member, coverage continues through the end of the month in which they cease to be eligible. In some cases, continuation coverage under COBRA may be available. (See Continuation coverage for more details about COBRA.) You must notify and provide the appropriate forms to Benefits Administration as soon as a family member is no longer eligible. If you fail to notify and provide the appropriate forms to Benefits Administration within 60 days, the family member will not be entitled to elect COBRA. While we have an administrative process to remove dependents reaching the maximum eligibility age, you remain responsible for ensuring that the dependent is removed from coverage.  If you fail to ensure that a family member is removed in a timely manner, there may be consequences for falsifying company records.

Sole legal guardianship or sole managing conservatorship

If you (or your spouse, separately or together) become the sole court appointed legal guardian or sole managing conservator of a child and the child meets all other requirements of the definition of an eligible child, you have 60 days from the date the judgment is signed to enroll the child for coverage.

You must provide a copy of the court document signed by a judge appointing you (or your spouse separately or together) guardian or sole managing conservator.

Death of a spouse

If you lose coverage under your spouse's health plan, you can sign up for Retiree Medical Plan coverage for yourself and your eligible family members. You must make these changes within 60 days following the date you lose coverage or wait until Annual Enrollment or another change in status. If you and your family members are enrolled in the Retiree 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.

Change in coverage costs or significant curtailment

If the cost for coverage charged to you significantly increases or decreases during a plan year, you may be able to make a corresponding prospective change in your election, including the cancellation of your election. If you choose to cancel your elected coverage option, you may be able to elect coverage under another Retiree Medical Plan option. This provision also applies to a significant increase in health care deductible or co-payment.

If the cost for coverage under your spouse's health plan significantly increases or there is a significant curtailment of coverage that permits revocation of coverage during a plan year and you drop that coverage, you will be able to sign up for medical coverage for yourself and your eligible family members. You must enroll within 60 days following the date you lose coverage under your spouse's plan.

Transfer or change residence

If you move from one location to another, and the move makes you no longer eligible for the selected Retiree Medical Plan option (e.g., move out of the OAPIN service area), you may change from your current Plan option to one that is available in your new location. For more information, call Benefits Administration.

Addition or improvement of plan options

If a new Plan option is added or if benefits under an existing option are significantly improved during a plan year, you may be able to cancel your current election in order to make an election for coverage under the new or improved option.

Loss of option

If a service area under the plan is discontinued, you will be able to elect either to receive coverage under another Plan option providing similar coverage or to drop medical coverage altogether if no similar option is available. For example, if an option is discontinued, you may elect another option that has service in your area or you may elect to participate in the POS II option. You may also discontinue medical coverage altogether.

Other situations that may affect your coverage

If a covered family member lives away from home

Coverage is dependent upon whether the plan option offers service in that area. If your covered family member does not live with you (for instance, you have a child away at school), please contact Member Services to confirm whether service is available. (See service area in Key terms.)

If you become eligible for Medicare

If you are a retiree, you and your family members who are not eligible for Medicare can continue to participate in the Retiree Medical Plan.  When you (as a retiree) or a covered family member of a retiree becomes eligible for Medicare, Medicare becomes your primary plan and benefits will be coordinated. You then are no longer eligible for the POS II and HMO options in the Retiree Medical Plan, but you may be eligible to enroll in the Medicare Supplement Plan (EMMSP). If you fail to enroll in the MSP when first eligible, then you will not be able to enroll at a later time without proof of having other employer provided coverage immediately prior to enrollment.

 If a covered family member becomes eligible for Medicare

When a covered family member becomes eligible for Medicare, Medicare becomes their primary plan. Your family member will not be eligible for coverage under the Retiree Medical Plan, but you will be able to enroll them as a primary participant in the Medicare Supplement Plan (EMMSP). If you fail to enroll your family member in the MSP when first eligible, then you will not be able to enroll them at a later date without proof of having other employer provided coverage immediately prior to enrollment. Refer to the Medicare Supplement SPD for more information on eligibility rules.

If you die

If you die while enrolled, your covered eligible family members can continue coverage through the ExxonMobil Retiree Medical Plan. Eligibility continues for your spouse until your spouse remarries, or becomes eligible for Medicare. Upon eligibility for Medicare, your spouse can continue coverage through the ExxonMobil Medicare Supplement Plan.

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 children also ends. Special rules may apply to family members of individuals who become retirees due to disability. See Suspended Retiree below.

If you become a suspended retiree

If you are a retiree and you would otherwise lose coverage because you have become a suspended retiree under the ExxonMobil Disability Plan, you may continue coverage for yourself and all your family members who were eligible for Medical Plan participation before you became a suspended retiree for either 12 or 18 months.

Coverage continues for 12 months from the date coverage would otherwise end if you received transition benefits under the ExxonMobil Disability Plan. However, if you did not receive transition benefits under the ExxonMobil Disability Plan, coverage continues for 18 months from the date coverage would otherwise end. The cost of this continued coverage is 102% of the combined participant and company contributions.

If you return to work at ExxonMobil as an employee after retirement

If you are rehired by ExxonMobil and are eligible for the ExxonMobil Medical Plan, your Retiree Medical coverage will be cancelled effective with the date of rehire. When your employment ends, you will be eligible to re-join the ExxonMobil Retiree Medical Plan.