International Medical, Dental
and Prescription Drug Benefits

Are you currently working abroad, or were you recently offered an assignment at an international location? Congratulations! While working outside the U.S., there’s one thing you can count on – Marathon Oil is dedicated to ensuring the most positive experience for you and your family, which means: we have you covered.

International Health Benefits administered by: Cigna Global Health
  • Medical: Preferred Provider Medical Benefits
  • Dental: Preferred Provider Dental Benefits
  • Prescription Drug: Cigna Pharmacy Management
Group/Policy Number: 02558A
Customer Service Number: 1-800-441-2668 or collect at 302-797-3100
Website: www.cignaenvoy.com

2018 International Benefits Open Enrollment

The 2018 Benefits Open Enrollment period for those on international assignment will also be November 1 – November 15, 2017. More information can be found in the email sent to your Marathon inbox.

Overview of International Coverage

When you accept a long-term assignment abroad, your health care coverage is administered by Cigna Global Health, whose mission is to provide easy access to quality health care around the world. Customer service representatives are available 24/7 to help you find a local doctor or hospital, or assist you with other needs. Enrollment in Cigna Global Health includes medical, dental and prescription drug coverage.

International Medical and Prescription Drug Highlights

The following provides an overview of the medical and prescription drug benefits offered under this plan.

International Medical & Prescription Drug Benefits Cigna Global Health
  International U.S. In-Network U.S. Out-of-Network
Preventive Care (including preventive prescription drugs) Plan pays 100% Plan pays 100% Plan pays 100%
Coinsurance (for most covered services) Plan pays 80% Plan pays 80% Plan pays 80% of the maximum reimbursable charge1
Annual Out-of-Pocket Maximum2 $2,500 per person $2,500 per person $2,500 per person
Prescription Drugs Plan pays 80% Plan pays 80%3 (30-day supply at retail; 90-day supply through home delivery) Plan pays 80%3 (30-day supply at retail only)

1 U.S. out-of-network charges are paid at 80% of the maximum reimbursable charge, which is determined based on the lesser of: 1) the provider’s normal charge for a similar service or supply; or 2) a percentile of charges made by providers of such service or supply in the geographic area where the service is received. You may be billed the difference between the provider’s normal charge and the maximum reimbursable charge, in addition to your coinsurance.

2 Combined medical/pharmacy out-of-pocket maximum includes retail and home delivery prescription drugs.

3 Includes generic and brand-name prescription drugs designated as generally-accepted industry standards that have been adopted by Cigna Global Health.

Please note: The above is a summary of the plan’s major provisions. It is general in nature and should be used for informational purposes only. It should not be used to determine exact coverage. If there are differences between this summary and the official plan document, the plan document shall govern.

International Dental Highlights

The following provides an overview of the dental benefits offered under this plan.

International Dental Benefits Cigna Global Health
The plan has a $50 per individual deductible (excluding Class I), and a $1,500 per individual calendar-year maximum (excluding orthodontia).
Class I – Preventive and Diagnostic Covered 100% with no deductible
Class II – Basic Restorative Covered 80% after deductible
Class III – Major Restorative Covered 50% after deductible
Class IV – Orthodontia Covered 50% after deductible, subject to a lifetime maximum of $1,750 per individual

Please note: The above is a summary of the plan’s major provisions. It is general in nature and should be used for informational purposes only. It should not be used to determine exact coverage. If there are differences between this summary and the official plan document, the plan document shall govern.

How Do I Use My Prescription Benefits?

Cigna Pharmacy Management will help you fill your prescriptions in the U.S. before you leave on assignment, while you are overseas, and during the times when you return home for a visit. Be aware that prescriptions written in the U.S. must be filled in the U.S., and prescriptions written by a local doctor in another country must be filled in that country. Calling the number on the back of your Cigna ID card will connect you to a member of Cigna’s customer service team who will assist you with your prescription needs wherever you are.

Important note: Some countries have specific laws and restrictions about bringing medications into the country, including limits, exclusions of medications, and restrictions on certain forms of medications. View the brochure below to answer important FAQs before you head out on assignment.

What Are My EAP Benefits?

Marathon Oil understands that an international assignment and relocation to another country has the potential to create additional stress for you and your family. If this happens, we want to help. No matter where you are in the world, our free and confidential International Employee Assistance Program (EAP) is available to you through Cigna Global Health. Some of the many services include:

  • Counseling (face-to-face or online)
  • Family support
  • Financial and legal advice
  • Help with relationships
  • Assistance with substance abuse
  • Childcare, eldercare, legal and financial referrals

To reach Cigna’s International EAP, call 1-800-870-5068 or find information online at www.cignaenvoy.com.

How Do I Find a Provider?

You’re in another country and need to find a doctor – no problem! Access Cigna Envoy’s International Provider Directory at www.cignaenvoy.com and locate a list of doctors in your area, or call 1-800-441-2668 or collect at 302-797-3100. To access the information online, follow these steps:

  1. Go to www.cignaenvoy.com.
  2. From the "I am a Customer" section on the left-hand side of the screen, select the appropriate link.
  3. Once you have gained access, click on the "Providers" tab at the top, and then select either "Find Provider" or "Quick Access to Provider Directories" depending on your preference.

How Much Does Coverage Cost?

Offering our employees quality, cost-effective health coverage is a goal at Marathon Oil. The following shows the monthly costs for Cigna Global Health coverage, both for you and your family.

International Health and Dental Plan Monthly Contributions
Employee Employee + Spouse Employee + Child(ren) Employee + Family
$104 $206 $188 $313