Q. Who can participate in the Plan?
A. There are three conditions for eligibility for the Plan. You must:
- Be eligible for Medicare;
- Be an eligible retiree or eligible family member; and
- Have been covered by an employer-sponsored group medical plan immediately before Plan eligibility. You will have to show loss of coverage under an employer sponsored group medical plan (any group medical plan sponsored by either the Corporation or another employer) to enroll any time after your Medicare eligibility. You have 60 days from the date of loss of coverage under an employer sponsored group medical plan to provide documentation of loss of this coverage and enroll in the ExxonMobil Medicare Supplement Plan. If you do not enroll within 60 days from your loss of coverage you will not have another opportunity to enroll.
For purposes of the Plan, you are an eligible retiree if you attained retiree status from:
- Mobil; or
- Superior Oil Company.
Retirees of Station Operators, Inc. doing business as ExxonMobil Company Operated Retail Stores (CORS) are not eligible for coverage under this plan.
Eligible family members
For purposes of the Plan, eligible family members include:
- The spouse of an eligible retiree.
- The surviving spouse, who has not remarried, of a deceased eligible retiree.
- The surviving spouse, who has not remarried, of a deceased employee.
- The child of an eligible retiree.
- The child, whose surviving parent has not remarried, of a deceased employee or eligible retiree.
- A person who becomes an eligible family member of an ExxonMobil eligible retiree by marriage after becoming eligible for Medicare. To participate in the Plan under this provision, prior group health coverage is not required. However, the person must be added as a covered family member within 30 days of becoming eligible.
Eligibility for Medicare
In general, you are eligible for Medicare if you are at least 65 years of age or have received Social Security disability benefits for 24 consecutive months. Anyone, including children, can be eligible for Medicare by virtue of a disability as described in the Key terms section of this SPD.
No one becomes eligible for Medicare as the dependent of someone who is eligible for Medicare. For example:
- If you are 65 years of age and your spouse is 61 and not disabled, you are eligible for Medicare but your spouse is not; or
- If you are under age 65 and not disabled and have a spouse either over 65 or eligible due to disability, your spouse is eligible for Medicare but you are not.
Enrolling in Medicare
If you are receiving Social Security benefits, your Social Security office should contact you with information about Medicare before your 65th birthday. If you are not receiving Social Security benefits or if you have not been contacted by Social Security and are nearing your 65th birthday, contact your local Social Security office. To receive maximum benefits from the Plan and Medicare, you must enroll in both:
- Part A covers hospital care and care in a skilled-nursing facility. There is no premium for most Part A participants.
- Part B covers physician bills and some out-of-hospital expenses. A premium for Part B is deducted from your Social Security check. Contact Medicare for current premium information.
If your spouse worked in a job not covered by Social Security or did not work long enough to qualify for free Part A coverage, the Plan pays full benefits with or without Part A coverage. The spouse must, however, sign up for Part B to receive maximum benefits.
Enrolling in Medicare Advantage (Part C) or Medicare Part D
Participants who choose to enroll in a Medicare Advantage (Part C) plan which provides a Medicare prescription drug benefit or Medicare Part D Prescription Drug Plan will no longer be eligible for outpatient prescription drug coverage under the Plan. If you enroll in a Medicare Part C plan which provides a Medicare prescription drug benefit or Part D program and continue your Plan participation, your required contributions remain the same, but you will not be eligible for outpatient prescription drug benefits under the Plan.
Questions about Medicare?
Contact Social Security Administration:
- Call toll free 800-772-1213.
- Access the Web site at www.socialsecurity.gov.
Enrolling in the plan
The ExxonMobil Benefits Service Center (EMBSC) contacts retirees and their spouses and surviving spouses shortly before their 65th birthdays. If you have not been contacted by the time you become eligible for Medicare, contact the EMBSC. This is particularly important if you become eligible for Medicare by virtue of disability rather than age. You should also contact the EMBSC when your child or spouse becomes eligible for Medicare.
Important notice about becoming Medicare-eligible
Retirees or survivors or covered family members of a retiree or survivor who become Medicare eligible either due to age or Social Security disability status are no longer eligible to participate in the ExxonMobil Medical Plan (POS II Options and HMO Options). Medicare eligible participants must change their Company-provided coverage from the ExxonMobil Medical Plan to the ExxonMobil Medicare Supplement Plan and enroll in Medicare Parts A and B. (Note: There are no HMO options under the ExxonMobil Medicare Supplement Plan).
Even if you enroll in the ExxonMobil Medicare Supplement Plan, but choose not to enroll in Medicare Parts A and B, you will receive no reimbursement from the ExxonMobil Medicare Supplement Plan for claim expenses that would have been paid by Medicare had you been enrolled. The ExxonMobil Medical Plan is not available to retirees and survivors who are Medicare-eligible.
Don't be without coverage!
Notify the ExxonMobil Benefits Service Center as soon as you or your family members receive notice of eligibility for Medicare Parts A and B due to either age or disability.
When plan eligibility ends
Eligibility for the Plan ends:
- When a participant fails to make the required contributions.
- When you cancel your coverage in writing.
- For a spouse following a divorce.
- For a surviving spouse and stepchildren upon remarriage.
- For children upon the marriage of the surviving parent.
- For the surviving spouse and children of an employee who died with less than 15 years of ExxonMobil benefit service after a period from the date of death equal to twice the deceased employee's length of ExxonMobil benefit service.
- If, at some future date, the Plan is terminated or replaced.
If you cancel your coverage, you will not be allowed to re-enroll in the future. Also, if you are not covered under this or another medical plan to which ExxonMobil contributes, your otherwise eligible family members cannot continue coverage under any ExxonMobil medical plans.