Medical and Prescription Drug Benefits

At Marathon Oil, we want to make sure you receive the health care, medical treatment and prescription drugs you need for yourself and your family. This includes preventive care, doctor’s visits, lab work, hospitalization, surgery and more. Whatever your medical needs, the Marathon Oil Company Health Plan has you covered.

Medical Plan administered by: UnitedHealthcare®
PPO Network: UnitedHealthcare Choice Plus
Group Number: 751924
Customer Service Number: 1-888-266-4066
Website: www.myuhc.com
Prescription coverage administered by: Express Scripts
Rx Group Number: MARATHN
Customer Service Number: 1-800-841-3423
Website: www.expressscripts.com

Benefits Basics

Benefits can be confusing, so we want to make sure you understand the basics as you compare our plans and determine what the best options are for you and your family.

Premium: The amount you pay every month for health insurance.

Deductible: The amount you pay during the year for medical services BEFORE your insurance starts to pay.

  • Individual deductible: This applies to a person with Employee Only coverage. He or she must meet this deductible before coinsurance applies to his or her expenses.
  • Family deductible: This applies to a person with Employee + coverage (Employee and Spouse, Employee and Children, or Employee and Family). All claims by participants enrolled in the plan aggregate together until the family deductible is met, then the coinsurance is applied to health plan expenses.

Coinsurance: The percentage you pay for services after meeting the deductible (e.g., 20% after deductible), plan pays remainder (e.g., 80%). You will pay this percent until the out-of-pocket maximum is met.

Out of Pocket Maximum: The annual amount you will have to pay out-of-pocket during a plan year (in addition to your monthly premiums).

  • Individual out-of-pocket maximum: This applies to a person with Employee Only coverage. This is the maximum he or she will have to pay each year (deductible + coinsurance) before the plan pays 100% of expenses.
  • Family out-of-pocket maximum: This applies to a person with Employee + coverage (Employee and Spouse, Employee and Children, or Employee and Family). This is the maximum the family will pay each year (deductible + coinsurance) before the plan pays 100% of expenses.

In-Network: A group of doctors, hospitals, and other healthcare providers who have agreed to accept payment from your insurance company at a negotiated discounted rate. Using an in-network provider will save you money.

Tier 1 Provider: Doctors and specialists that have received one of the following two premium designations from UnitedHealthcare for either (a) “Quality & Cost Efficiency” or (b) “Cost Efficiency & Not Enough Data to Assess Quality.”

Formulary: List of generic and brand name prescribed medications covered by your prescription plan.

Health Plan Options

For 2017, Marathon Oil is offering two Health Investment Plan (HIP) options - HIP Value and HIP Plus - and will continue to offer a Traditional Plan* option. All three are a Preferred Provider Organization, or PPO, type of plan, and cover in-network preventive services at 100% (no deductible).

* Starting in 2018, the Traditional Plan will no longer be a Health Plan option. If enrolled in the Traditional Plan for 2017, participants will have to select new medical coverage during 2018 Benefits Open Enrollment.

Key features of each Health Plan option
Feature HIP Value HIP Plus Traditional Plan
Contributions Moderate Lowest Highest
Deductible Moderate Highest Lowest
Health Savings Account (HSA) Yes Yes No
Prescription Drugs You pay coinsurance, based on the type of drug.

For non-preventive drugs, you must first meet the plan deductible before cost sharing applies.

There is one combined deductible for medical and prescription drugs.
You pay coinsurance, based on the type of drug.

If you use a retail pharmacy, you must meet a separate $100 deductible before cost sharing applies.

Note: If you live in an area with no access to in-network providers, you will be eligible for the Out-of-Area Option. Coverage under the plan option is the same as the in-network provisions of the Traditional Plan Option and HIP Option. Your enrollment materials will indicate if this is an option for you.

Health Plan Comparison Chart

The following provides an overview of the medical benefits offered under our Health Plan options for 2017.

2017 Marathon Oil Health Plan Options Comparison
HIP Value HIP Plus Traditional Plan Option
In-Network1 Out-of-Network In-Network1 Out-of-Network In-Network1 Out-of-Network
Health Savings Account (HSA) Company Contributions for 2017 Employee Only coverage: $500

Employee + coverage2: $1,000
Employee Only coverage: $750

Employee + coverage2: $1,500
N/A N/A
Individual3 Deductible $1,300
(combined with prescription drug)
$3,900
(combined with prescription drug)
$2,000
(combined with prescription drug)
$4,000
(combined with prescription drug)
$750
(separate from prescription drug)
$1,500
(separate from prescription drug)
Family2 Deductible $2,600
(combined with prescription drug)
$7,800
(combined with prescription drug)
$4,000
(combined with prescription drug)
$8,000
(combined with prescription drug)
N/A N/A
Coinsurance 85% Tier 1 Providers

75% Other Network Providers
50% 80% Tier 1 Providers

70% Other Network Providers
50% 80% Tier 1 Providers

70% Other Network Providers
50%
Individual3 Out-of-Pocket Maximum $2,600
(combined with prescription drug)
$7,800
(combined with prescription drug)
$4,000
(combined with prescription drug)
$8,000
(combined with prescription drug)
$3,2004
(separate from prescription drug)
$15,0004
(separate from prescription drug)
Family2 Out-of-Pocket Maximum $5,200
(combined with prescription drug)
$15,600
(combined with prescription drug)
$6,850
(combined with prescription drug)
$16,000
(combined with prescription drug)
$9,6004 for three or more members
(separate from prescription drug)
N/A
Preventive Services Plan covers at 100% (no deductible) You pay 50% after deductible is met, plus any amount over Reasonable & Customary5 Plan covers at 100% (no deductible) You pay 50% after deductible is met, plus any amount over Reasonable & Customary5 Plan covers at 100% (no deductible) You pay 50% after deductible is met, plus any amount over Reasonable & Customary5
Emergency Room Services (if NOT admitted to hospital) You pay 15% after deductible is met You pay 20% after deductible is met You are responsible for the first $250 of charges for each Emergency Room visit (counts toward your annual medical out-of-pocket maxmium)

1 In-Network provisions apply if you live in an area with no access to in-network providers.

2 Applies to Employee + Spouse/Domestic Partner, Employee + Children, and Employee + Spouse/Domestic Partner + Children coverage.

3 Applies to Employee Only coverage.

4 Excludes prescription drug costs, subject to a separate $1,000 annual out-of-pocket maxmium per participant, capped at $3,000 per family per year.

5 A “Reasonable & Customary” charge is the amount customarily charged for a given service by other physicians in the area (often defined as a specific percentile of all charges in the community), and the reasonable cost of services for a given patient after review of the case.

Health Plan Rates

Below are the 2017 monthly contribution amounts for Health Plan coverage for regular, full-time employees.

2017 Health Plan Monthly Employee Contributions*
Coverage HIP Value HIP Plus Traditional Plan
Employee Only $115 $87 $133
Employee + Spouse/Domestic Partner $254 $192 $293
Employee + Children $231 $174 $266
Employee + Spouse/Domestic Partner + Children $346 $261 $399

* Monthly contribution amounts listed are for regular full-time employees.

What Is the Best Health Plan Option for Me?

Do you need help determining what might be the best Health Plan option for you and your family?

The Health Plan Modeler lets you input specific details about your and your family’s health care needs, and then “does the math” to help you determine the option that might be the most economical based on those factors. The modeler takes into account your health care use, the monthly premiums, deductibles/coinsurance/out-of-pocket maximums, HSAs, FSAs and other tax savings. Click on the link below to use the modeler.

What Is a Health Savings Account (HSA)?

When you enroll in a Health Investment Plan (HIP) option – HIP Value or HIP Plus – you’ll be eligible for a bonus feature – a Health Savings Account (HSA). This account is administered by Fidelity. With an HSA:

  • The Company will make an annual contribution.
  • You can also make pre-tax contributions and any payments/reimbursements from the HSA aren’t taxable as long as you use them for qualified medical expenses.
  • Contributions can be used for eligible medical, dental vision and prescription drug expenses.
  • You don’t have to use the funds each year – your balance rolls over from year to year.
  • You can invest your contributions and any earnings you earn accrue tax-free.
  • You own your account and can port the funds when you leave the Company or retire.

An HSA is a great way to set aside tax-free money for your health expenses now or save for health care needs in retirement. Remember, Marathon Oil will also help fund your HSA when you enroll in the HIP Value or HIP Plus option.

The following chart shows Marathon Oil’s contribution to the HSA and the maximum contributions allowed for 2017.

2017 IRS HSA Contribution Limits
Plan Company Employee* Total Allowed
HIP Value $500 Employee Only
$1,000 Employee +
$2,900 Employee Only
$5,750 Employee +


$3,400 Individual
$6,750 Family
HIP Plus $750 Employee Only
$1,500 Employee +
$2,650 Employee Only
$5,250 Employee +

* Employees who will be age 55 or older in 2017 may contribute an additional $1,000

How to Use the UnitedHealthcare Website

You’ll find answers to your benefits questions at www.myuhc.com. Your personal website provides a variety of resources and allows you to perform a number of activities, including:

  • Finding doctors or pharmacies.
  • Checking a claim status.
  • Printing and/or ordering ID cards.

How to Register Online

Registering your account at www.myuhc.com is easy. Simply follow these steps to register:

  1. Go to www.myuhc.com.
  2. Click the “Register Now” button, located in the gray box on the left-hand side of the page.
  3. Enter your Name, Date of Birth, Member ID and Group/Account Number (found on your Health Plan ID card), or if you do not have your ID card, enter your Social Security number for your Member ID.
  4. Enter your e-mail address.
  5. Check to receive information e-mails and confirm enrollment for electronic documents.
  6. Create a Username and Password.
  7. You have now registered and can start using www.myuhc.com.

Once registered, you can set up your account for successful organization and management of your benefits.

  1. Go to www.myuhc.com.
  2. Enter your Username and Password to gain access to your account.
  3. Click “Account Settings” on the top navigation.
  4. Set your user preferences and settings for direct deposit, newsletters, etc.

How to Find an In-Network Provider

To find a network provider and review tips to consider when choosing a doctor, follow these steps. If you need assistance, call the Marathon Oil Benefits Department at 1-855-652-3067.

  1. Go to www.myuhc.com.
  2. Click on “Find Physician, Laboratory or Facility” in the top, right-hand column.
  3. Select “UnitedHealthcare Choice Plus” from the list.
  4. Search for a physician or facility by location and/or name, facility, specialty or condition.

How to Manage Your Claims Online

Managing your UnitedHealthcare claims online is easy.

  1. Go to www.myuhc.com.
  2. Enter your Username and Password.
  3. Click the “Manage My Claims” tab.
  4. You can search for claims by dates visited, family members and/or claim types.
  5. Each claim will include detailed information on the family member, date of the visit(s), claim number, how much you may owe, and the status of the claim.

Prescription Drug Coverage

Prescription drug coverage is included under all three Health Plan options. Certain preventive prescription drugs are covered at 100% in 2017. For a list of Affordable Care Act drugs, click here.

All prescription and self-injectable drugs must be purchased through Express Scripts or at a participating in-network pharmacy. The tables below describe how coverage works — first under the HIP options and then under the Traditional Plan option.

2017 Prescription Drug Benefits
HIP Value: Non-Preventive Drugs
Plan Feature Retail and Mail Order
In-Network Deductible
(combined with medical)
$1,300 individual / $2,600 family
Generic, Formulary and Non-Formulary You pay 15% after the deductible is met
Out-of-Pocket Maximum
(combined with medical)
$2,600 individual / $5,200 family
HIP Plus: Non-Preventive Drugs
Plan Feature Retail and Mail Order
In-Network Deductible
(combined with medical)
$2,000 individual / $4,000 family
Generic, Formulary and Non-Formulary You pay 20% after the deductible is met
Out-of-Pocket Maximum
(combined with medical)
$4,000 individual / $6,850 family

Note that eligible preventive drugs are covered differently under the HIP options (see below).

HIP Value: Eligible Preventive Drugs
Plan Feature Retail Mail Order
In-Network Deductible No deductible No deductible
Generic You pay 15%
($5 minimum)
You pay 15%
($10 minimum, $200 maximum)
Formulary You pay 15%
($25 minimum)
You pay 15%
($50 minimum, $200 maximum)
Non-Formulary You pay 50%
($35 minimum)
You pay 50%
($100 minimum)
Out-of-Pocket Maximum $2,600 individual / $5,200 family
HIP Plus: Eligible Preventive Drugs
Plan Feature Retail Mail Order
In-Network Deductible No deductible No deductible
Generic You pay 20%
($5 minimum)
You pay 20%
($10 minimum, $200 maximum)
Formulary You pay 20%
($25 minimum)
You pay 20%
($50 minimum, $200 maximum)
Non-Formulary You pay 50%
($35 minimum)
You pay 50%
($100 minimum)
Out-of-Pocket Maximum $4,000 individual / $6,850 family
Traditional Plan: All Drugs
Plan Feature Retail Mail Order
In-Network Deductible
(separate from medical)
$100 No deductible
Generic You pay 20%
($5 minimum)
You pay 20%
($10 minimum, $200 maximum)
Formulary You pay 20%
($25 minimum)
You pay 20%
($50 minimum, $200 maximum)
Non-Formulary You pay 50%
($35 minimum)
You pay 50%
($100 minimum)
Out-of-Pocket Maximum
(separate from medical)
$1,000 individual / $3,000 family

For a list of eligible preventive drugs, click here.

What Are My New Hire Medical Benefits?

Welcome to Marathon Oil. We’re excited that you have joined our team of world-class employees. As a member of the Marathon Oil family, the possibilities are limitless.

Click here to learn more about the benefits available to you as a Marathon Oil employee.

How Does a Life Event Affect My Medical Benefits?

Did a particular event cause your life to change course? From moving to a new location to planning for retirement, Marathon Oil has developed a variety of tips and information to help guide you through your journey.

Click here to learn more about how various life changes and events may affect your benefits.

What Resources Are Available If I Need Help?

When you need assistance with anything related to your health care – whether it’s an insurance or administrative issue – Marathon Oil Benefits Department is there for you by calling 1-855-652-3067 or email MROBenefitsHelp@marathonoil.com.