Turning 65 and/or becoming Medicare eligible

Medicare is the federal insurance program for people age 65 or older and for some people with certain illnesses or disabilities.

Did you know Medicare is made up of four parts? Each one covers various types of care and services. Learn more about the ABCs of Medicare. 

You can apply for Medicare online at ssa.gov, or enroll at your local Social Security office.

ExxonMobil and Aetna Medicare recommend enrolling in Medicare as early as possible to avoid a delay in the start of your Medicare coverage, which could result in out-of-pocket expenses. 

If you defer your enrollment in Medicare outside of your Initial Enrollment Period and are not covered under another employer sponsored group health plan, you will lose eligibility for coverage for yourself  and any eligible family members covered under the ExxonMobil Retiree Medical Plan. 

You must first enroll in Medicare Part B. Then, provide your Medicare Beneficiary Identifier (MBI) and Parts A & B effective dates to the ExxonMobil Benefits Service Center. 

The ExxonMobil Retiree Medical Plan (EMRMP) includes medical plan options for non-Medicare eligible retirees and eligible family members (POS A, POS B, Aetna Select, and Cigna OAPIN). It also includes the Medicare Primary option for Medicare eligible retirees and eligible family members. 

Retirees have three opportunities to enroll into the EMRMP, EM Dental Plan, and EM Vision Plan (the Plans). 

1. At retirement, or 
2. Upon loss of other employer sponsored health plan coverage, or 
3. When first eligible to be enrolled in Medicare as your primary plan. 

There is no opportunity for you to enroll yourself, or your eligible family members, into the Plans at any other time, including during annual enrollment. Eligible family members may be added to your coverage in the Plans if you experience a change in status that allows enrollment. 

If you decide to cancel/opt-out of coverage, you will lose medical and prescription drug coverage for yourself and any eligible family members covered under the EMRMP. You will NOT have an opportunity to enroll at a later date, unless you’ve waived coverage because you are enrolled in another employer sponsored group health plan. 

Medical coverage under the Medicare Primary Option (MPO) is provided through the Aetna Medicare Advantage PPO ESA plan. Prescription drug coverage under the MPO is provided through Express Scripts®. The Centers for Medicare & Medicaid Services does not permit you to enroll in two Medicare Advantage plans or a stand-alone Part D plan when you are enrolled in an employer sponsored Medicare Advantage plan. You will have to decide which plan is best for you.

You deserve a health plan that helps you make the most of retirement. That’s why ExxonMobil and Aetna have teamed up to design a health plan just for you. 

To learn more about the Medicare Primary option, call us at 1-833-595-1012 (TTY: 711), Monday to Friday, 7 AM to 8 PM CT.