Most U.S. retirees, survivors and their eligible family members who reside in the Cigna service area are eligible for this Cigna OAPIN Option. The retiree’s home address zip code is used to determine whether the retiree resides in the service area and is therefore eligible for the Cigna OAPIN.
Generally you are eligible if:
- You are a retiree
- You are a surviving spouse, which means an eligible family member of a deceased retiree or employee.
- You are a Long Term Disability Retiree and are not eligible for Medicare Part A or B.
You are not eligible if:
- You participate in any other employer medical plan to which ExxonMobil contributes.
- You are eligible for coverage under the ExxonMobil Medical Plan.
- 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.
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.
- Your child(ren) under age 26. Coverage ends at the end of the month in which they reach age 26. If your situation involves a family member other than your biological or legally adopted child, call Benefits Service Center.
- Your totally and continuously disabled child(ren) who is incapable of self-sustaining employment by reason of mental or physical disability that occurred prior to otherwise losing eligibility and meets the Internal Revenue Service's definition of a dependent.
- A child or spouse of a Medicare-eligible retiree or survivor enrolled in the ExxonMobil Medicare Supplement Plan, as long as that spouse or child is not eligible for Medicare.
More complete definitions of Eligible Family Members and Child appear in the Definitions section of this guide.
A person who becomes a retiree due to incapacity within the meaning of the ExxonMobil Disability Plan and who begins long-term disability benefits under that plan, but whose benefits stop because the person is no longer incapacitated, is a suspended retiree and not eligible for coverage until the earlier of the date the person:
- Reaches age 55; or
- Begins his or her benefit under the ExxonMobil Pension Plan at which time the person is again considered a retiree and may enroll.
The eligible family members of a deceased suspended retiree will be eligible for coverage under this Cigna OAPIN Option only after the occurrence of the earlier of the following:
- The date the suspended retiree would have attained age 55; or
- The date a survivor begins receiving a benefit due to the suspended retiree's accrued benefit from the ExxonMobil Pension Plan.
Special eligibility rules
A person who otherwise is not a spouse but who, as a dependent of a former Mobil employee who participated in or received benefits under a Mobil-sponsored plan or program prior to March 1, 2000, is considered an eligible family member as long as that person's eligibility for coverage as a dependent under a Mobil-sponsored plan would have continued.
Classes of coverage
You can choose coverage as an:
- Individual Only (Retiree, Spouse, Surviving Spouse, Surviving Child);
- Retiree and spouse;
- Individual and child(ren); or
- Retiree and family.
There are also classes of coverage for surviving spouses and family members of deceased employees and retirees, and spouses and family members of retirees covered by the ExxonMobil Medicare Supplement Plan.
Each class of coverage described in this section has its own contribution rate. Retirees and survivors receiving monthly benefit checks from ExxonMobil pay by deductions from these checks on an after-tax basis. Other retirees or survivors and participants with continuation coverage pay by check or by monthly draft on their bank account.
No one can be covered more than once in the Plan. You and your spouse cannot both enroll and elect coverage for each other as eligible family members. If you and your spouse are both retirees 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 retiree and the other can be an eligible family member. Also, if you have children, each child can only be covered by one of you.
How to enroll
If you were enrolled in the ExxonMobil Medical Plan, your enrollment and your covered family members will transfer to the ExxonMobil Retiree Medical Plan. If you were in the Cigna OAPIN, you will maintain claims, deductibles and out of pocket history (e.g., If you were in the ExxonMobil Medical Plan enrolled in the Cigna OAPIN option as an employee, and you enroll in the Cigna OAPIN option as a retiree) are transferred. You may make a new selection within 60 days of your retirement date, or you will be defaulted to the Cigna OAPIN RMP.
If you are not covered by a medical plan to which ExxonMobil contributes and would like to enroll in the Retiree Medical Plan, you may do so. Coverage is effective the first of the month following completion of enrollment.
You can enroll eligible family members only if you are enrolled in an RMP option or in the Medicare Supplement Plan. As a retiree, you are enrolled on an after-tax basis, therefore 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 the ExxonMobil Benefits Service Center. Call the ExxonMobil Benefits Service Center at 800-682-2847 or visit the ExxonMobil Benefits Service Center at Xerox Internet Site in order to enroll. Individuals who do not have web access can use enrollment forms provided by the ExxonMobil Benefits Service Center.
You may be requested to provide documents at some future date to prove that the family members you enrolled were eligible (e.g., marriage certificate, birth certificate). If you fail to provide such requested documents within the required time period, coverage for the family members will be cancelled the first of the following month and you may be subject to discipline for falsifying company records.
You must enroll each new child for them to be covered, even if you already have family coverage.
Under the Children's Health Insurance Program (CHIP) Reauthorization Act of 2009 you may change your Medical Plan election for yourself and any eligible family members within 60 days of either (1) termination of Medicaid or CHIP coverage due to loss of eligibility, or (2) becoming eligible for a state premium assistance program under Medicaid or CHIP coverage. In either case, coverage is effective the first of the month following completion of enrollment or receipt of the forms by the ExxonMobil Benefits Service Center.
Each year, usually 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 as soon as they are no longer eligible. Changes elected during annual enrollment take effect the first 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 and not at Annual Enrollment. Failure to timely remove an eligible dependent can subject the retiree and covered family members to loss of coverage.
As a retiree, you will pay your contributions on an after-tax basis through payroll deduction (if eligible), check, or bank draft.
During Annual Enrollment, changes to your Retiree Medical Plan coverage (option or contributions) do not automatically adjust your coverage or contributions to other plans such as the ExxonMobil Dental Plan or the ExxonMobil Vision Plan. Changes to those plans must be made separately during Annual Enrollment.