Medical

Marathon Petroleum provides medical coverage to protect and promote your family’s health through the MPC Health Plan – a qualified plan that meets the standards of the Affordable Care Act and offers you a choice of two Preferred Provider Organization options. The Saver HSA and Classic options are both administered by Anthem BlueCross BlueShield (Anthem BCBS).

Note: There is a Kaiser HMO plan that is only available to employees with a permanent residence within the Kaiser California service area (N. CA or S. CA). Contact BenefitSolver at 1-844-408-2575 or online at www.myMPCbenefits.com/mybenefits for more information.

• ALEX can help you choose a Health Plan option
• 2021 Marathon Petroleum Benefits Guide

The Saver HSA option is a “pay as you go” Health Plan option, and qualifies as a High Deductible Health Plan (HDHP). It has a lower premium, a higher deductible and the opportunity to open a portable Health Savings Account (HSA) that offers triple-tax advantages.

With this option, your annual deductible includes both medical and prescription drug expenses, and you pay all your medical and prescription drug costs in until you reach that amount (with the exception of preventive care and certain generic preventive medications). After you meet the annual deductible, the Saver HSA option pays 80% of your eligible expenses for care received in-network. If you reach the out-of-pocket maximum, the Health Plan will pay 100% of your medical and prescription drug costs.

To help offset the higher deductibles in the Saver HSA option, the Company will contribute $500 for Employee Only coverage or $1,000 for Employee + Dependents coverage to a Health Savings Account when you enroll in this option and open an account. See the “Health Savings Account (HSA)” section for details.

Employees who enroll in the Saver HSA are eligible to participate in a Limited Purpose Flexible Spending Account. This account is limited to paying for eligible dental and vision expenses. As with the Flexible Spending Account, you can elect from $120 to $2,750 for your anticipated dental and/or vision expenses in 2021. Eligible expenses must be incurred by December 31, 2021 and claims must be summited by March 15, 2022. You may carry over up to $500 into 2022. Once you have met your deductible, it can also be used for medical and prescription drug expenses. But first, make sure you let PayFlex know you met your deductible. You will receive a debit card, pre-loaded with the amount of your annual election. The same Flexible Spending Account expense deadlines apply.

• Consumer-Driven Medical Plan with HSA
• How to Use Your HSA

The Classic option is a “pay up-front” option, with a higher monthly contribution in exchange for lower annual deductibles and out-of-pocket maximums. This option also includes copays instead of coinsurance for certain services such as office visits and prescription drugs.

After the annual deductible is met, the Classic option pays 80% of eligible expenses for health care received in-network. With family coverage, until the family deductible is met, each covered family member must meet the individual deductible before coinsurance begins for his/her medical care. However, regardless of whether you have met your deductible, you will only be responsible for copays for in-network doctor visits. With the Classic option, prescription drugs have copays. Retail drugs are subject to a smaller, separate deductible before copays begin.

If you select the Classic option or waive coverage under the Health Plan, you are also eligible for a Health Care Flexible Spending Account (HCFSA), wherein you can set aside pre-tax dollars from your pay to help cover your family’s health care expenses. See the “Health Care Flexible Spending Account (HCFSA)” section for details.

The Kaiser HMO is only available to members with a permanent residence within the Kaiser California service area (N. CA or S. CA). Contact BenefitSolver at 1-844-408-2575 or online at www.myMPCbenefits.com/mybenefits for more information.

• Traditional HMO Plan Evidence of Coverage - Kaiser Northern California - Active Employee
• Traditional HMO Plan Evidence of Coverage - Kaiser Southern California - Active Employee

Health Plan Summary Comparison (as of January 2021)

^* Medical and prescription drug expenses will apply toward meeting the out-of-pocket maximum.

^** Employee + Dependents covers Employee + Spouse, Employee + Child(ren) and Employee + Family.

Company Contribution to Health Savings Account (HSA)

^**Employee + Dependents covers Employee + Spouse, Employee + Child(ren) and Employee + Family.

The primary difference between the two options is how you pay for your health care expenses, so the Saver HSA and Classic options will have different premiums, deductibles and out-of-pocket maximum limits. The following chart offers a side-by-side comparison of the Saver HSA and Classic options.

^*Employee + Dependents covers Employee + Spouse, Employee + Child(ren) and Employee + Family.

Note: There is a Kaiser HMO plan that is only available to employees with a permanent residence within the Kaiser California service area (N. CA or S. CA). Contact BenefitSolver for more information.

Retirees under age 65 are eligible for the same Health Plan options as MPC active employees. Monthly contributions depend on your accrued percentage of the Company subsidy, based on your years of service.

• Retiree Contributions - Anthem Pre-65 Post-Retirement Medical
• Retiree Contributions - Kaiser Pre-65 Post-Retirement Medical
• Summary of Benefits and Coverage (SBC) - Pre-65 Retiree Classic Option
• Summary of Benefits and Coverage (SBC) - Pre-65 Retiree Saver HSA Option
• Kaiser North Summary of Benefits and Coverage (SBC) - Pre-65 Retiree Traditional Plan
• Kaiser South Summary of Benefits and Coverage (SBC) - Pre-65 Retiree Traditional Plan
• Traditional HMO Plan Evidence of Coverage - Kaiser Northern California - Retiree
• Traditional HMO Plan Evidence of Coverage - Kaiser Southern California - Retiree

Retirees age 65 and over can receive an annual Company subsidy toward the cost of individual Medicare-related plans available through Towers Watson’s Via Benefits. If you’re eligible for the subsidy, you will receive an enrollment guide from Via Benefits similar to the sample below.

• Via Benefits Enrollment Guide
• Annual Company Subsidies for Retirees 65 and Over
• Exchange Health Reimbursement Account Plan

^* OneExchange has changed their name to Via Benefits. They still provide the same services to our post-65 retirees and their dependents.

Need to find a doctor?

Using doctors and hospitals within Anthem’s network can result in considerable savings. It’s your responsibility to check if providers are in-network – and it’s easy to do.

• Step-by-Step Instructions for Using Anthem BCBS’s Provider Finder

Is it time for your preventive exam?

• Preventive Care – Covered Services
• Colonoscopy – Screening vs. Diagnostic

Don’t understand your Explanation of Benefits?

• Explanation of Benefits – Reference Guide
• Glossary of Health Plan Summary of Benefits and Coverage (SBC) Terms

Expecting a baby?

• Future Moms
• How to Get a Free Breast Pump

NurseLine

• Get Round-the-clock Peace of Mind

If you’re enrolled in the Health Plan, we provide the added benefit of Best Doctors, a service that gives you access to the best medical minds in the world, with complete confidentiality – at no cost to you. If you have questions about your diagnosis, would like an in-depth review of your treatment plan or want to find the best specialist for your condition, Best Doctors will help you get it right.

• Introducing Best Doctors Mental Health Navigator
• Your Solution To Medical Uncertainty
• In-Depth Medical Review
• Maternity Benefits
• 5 Things You Don't Know About Your Doctor (And Should)
• Frequently Asked Questions

Anthem’s LiveHealth Online offers you the opportunity to see a doctor “virtually” anywhere. Whether you are at home, in the middle of a road trip or at the office, you can now speak to a doctor immediately via your smartphone, tablet or computer with a webcam.

• LiveHealth Online website
• LiveHealth Online overview
• How to use LiveHealth Online on your computer and mobile device
• LiveHealth Online summary and FAQs

Health Plan Details

• Summary of Benefits and Coverage (SBC) - Classic Option
• Summary of Benefits and Coverage (SBC) - Saver HSA Option
• Kaiser North Summary of Benefits and Coverage (SBC) - Traditional Plan
• Kaiser South Summary of Benefits and Coverage (SBC) - Traditional Plan
• Traditional HMO Plan Evidence of Coverage - Kaiser Northern California
• Traditional HMO Plan Evidence of Coverage - Kaiser Southern California
• Health Plan
• Retiree Health Plan

Other Resources

• Anthem BCBS
• Benefits Annual Enrollment