Your Health:

Medical

Introduction

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).

Saver HSA Option – Overview

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 $350 for Employee Only coverage or $700 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.

Classic Option – Overview

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.

Health Plan Option Coverage Comparison

Health Plan Summary Comparison (as of January 2017)

2017 Health Plan Options Comparison
  Saver HSA Option
In-network benefits
Classic Option
In-network benefits
Deductible $1,350 Employee Only $500 Individual
$2,700 Employee + Dependents** $1,000 Family
Out-of-Pocket (OOP) Maximum* $5,000 Individual $3,000 Individual
$10,000 Family $6,000 Family
Coinsurance You pay 20% after deductible You pay 20% after deductible
Office Visit You pay 20% after deductible $20 for primary care;
$50 for specialist and urgent care
Preventive Services Plan covers at 100% (no deductible) Plan covers at 100% (no deductible)
ER Charge Deductible, then $150 charge, then 20% coinsurance $150 charge, then deductible plus 20% coinsurance

* 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)

Company Contribution to Health Savings Account (HSA)
  Saver HSA Option Classic Option
HSA Funding $350 Employee Only/
$700 Employee + Dependents**
None

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

Key Health Plan Option Features

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.

Comparing the Two Health Plan Options
Key Health Plan Option Features Saver HSA Option
“Pay as you go”
Classic Option
“Pay up-front”
Premiums and Deductibles
  • Lower monthly premiums, but higher deductibles and out-of-pocket maximums.
  • With Employee + Dependents* coverage, once any combination of covered family members reaches the annual deductible, the Health Plan starts paying coinsurance for all family members.
  • Qualifies as a High Deductible Health Plan (HDHP).
  • Higher monthly premiums, but lower deductibles and out-of-pocket maximums.
  • With Family coverage, until the family deductible is met, each covered family member must meet the individual deductible before the Health Plan starts paying coinsurance
Copays and Coinsurance No copays; only coinsurance. Includes copays instead of coinsurance for office visits and prescription drugs.
Prescription Drug Coverage
  • Annual deductible includes both medical and prescription drug expenses.
  • Certain generic preventive drugs covered at 100%. (The list of these drugs can be found here.)
  • You pay all your medical and prescription drug costs in full until you reach your deductible (with the exception of preventive care and certain generic preventive medications).
  • You pay 20% after deductible for retail and mail-order drugs.
  • Plan pays 100% for medical and prescription drug costs once you reach the out-of-pocket maximum.
  • Separate deductibles for medical and retail prescription drugs.
  • Prescription drugs have copays (retail drugs are subject to a smaller, separate deductible that must be met before copays apply).
Health Savings Account and Flexible Spending Account
  • Offers a portable Health Savings Account (HSA) that includes triple-tax advantages.
  • Company contributes $350 for Employee Only coverage or $700 for Employee + Dependents coverage*.
  • Eligible for a Health Care Flexible Spending Account (FSA), which allows you to set aside pre-tax dollars from your pay to help cover some of your family’s eligible health care expenses.
Out-of-Pocket Maximums Both Health Plan options have in-network out-of-pocket maximums. So whichever option you choose, the most you’ll pay for covered in-network medical (including prescription drug) expenses out of your own pocket in a calendar year is the out-of-pocket maximum for your selected Health Plan option. With Family coverage, until the family out-of-pocket maximum is met, each covered family member must meet the individual out-of-pocket maximum for the Plan to begin paying at 100% for that individual.

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

Health Plan Rates for Active Employees

2017 Health Plan Monthly Employee Contributions
  Monthly Contributions (pre-tax payroll deductions)
Saver HSA Option Classic Option
Employee Only $69.00 $101.00
Employee + Spouse $159.00 $231.00
Employee + Children $138.00 $201.00
Family $214.00 $312.00

Health Plan Information for Retirees

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.

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

How to Get the Most From Your Medical Coverage

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.

Is it time for your preventive exam?

Don’t understand your Explanation of Benefits?

Expecting a baby?

Best Doctors – More Than a Second Opinion

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.

LiveHealth Online

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. Anthem’s LiveHealth Online is available for members of the Marathon Petroleum Health Plan. Unfortunately, this service is not yet available in Texas. However, employees who live in Texas can use this service when traveling out of state on business or vacation.

More Important Information

Health Plan Details

International Health Benefits

MPC provides medical, prescription drug and dental benefits to employees working internationally through Cigna. The Cigna International Plan covers expatriate employees and their dependents whether they receive coverage within or outside the U.S.

International Employees - 2017 Monthly Contributions
Health and Dental Coverage Employee Only Employee & Spouse Employee & Children Family
Cigna International $111.00 $223.00 $223.00 $349.00

Other Resources