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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.

01/01/2011 2 RetMed.r0314 When you receive care from an Out-of-Network Provider, your benefits are based on the Recognized Charge for a service or supply (as determined by Aetna).

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