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Summary Plan Description RETIREE MEDICAL PLAN

01/01/2011 S u m m a r y P l a n D e s c r i p t i o n RETIREE MEDICAL plan FOR RETIREES AND THEIR DEPENDENTS OCCIDENTAL PETROLEUM CORPORATION 01/01/2011 Table of Contents Highlights .. 1 For Help and Information .. 6 Eligibility and Enrollment .. 8 Eligibility .. 8 Enrollment .. 9 Contributions .. 11 Using the plan .. 13 Annual Deductible .. 13 Out-of-Pocket Maximums .. 14 Cost Sharing .. 14 Network Provisions for Non-Medicare-Eligible Participants .. 15 Out-of-Area Benefits .. 16 Precertification for Non-Medicare-Eligible Participants .. 18 Understanding Precertification .. 18 The Precertification Process .. 18 Services and Supplies Which Require Precertification .. 19 Medicare .. 22 General Information .. 22 Integration with Medicare .. 23 What the plan Covers .. 25 Hospital Services .. 25 Emergency and Urgent Care .. 26 Physician Services .. 27 Preventive Care .. 27 Spinal Manipulation Benefit .. 29 Family Planning .. 30 Dental Care .. 30 Obesity Treatment.

01/01/2011 summary plan description retiree medical plan for retirees and their dependents occidental petroleum corporation

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