Summary Plan Description MEDICAL PLAN AETNA …

1 Summary plan DescriptionMEDICAL plan AETNA HEALTHFUND AETNA Choice POS II ( AETNA HealthFund) Network 201501//01/2011 Your MEDICAL plan OptionsThe MEDICAL plan offers eligible participants the following coverage options: AETNA Basic Option APoint of Service (POS) health plan that covers carereceived from network or out-of-network providers with no physician referral. Refer tothe separate Summary plan Description for plan details, including deductibles,coinsurance levels for network and out-of-network care and out-of-pocket limits. AETNA HealthFund Option A high deductible POS health plan compatible withHealth Savings Accounts (HSAs). HSAs allow you to save money for current or futuremedical expenses (or other retirement expenses after age 65) on a tax-advantagedbasis. Refer to this Summary plan Description for plan details including deductibles,coinsurance levels for network and out-of-network care, out-of-pocket limits and HSAcontribution limits. Anthem Blue Cross Option A Preferred Provider Organization (PPO) health planwhich provides access to nationwide network and out-of-network coverage with nophysician referral.

2 Refer to the separate Summary plan Description of plan details,including fixed-dollar office visits, deductibles, coinsurance levels for network and out-of-network care and out-of-pocket limits. Regionally Available HMO Options A Health Maintenance Organization (HMO) isa plan in which you must receive MEDICAL treatment or services from participatingproviders, and services received outside the network may not be covered except inthe case of a MEDICAL benefits, limitations and exclusions for the regional options are listed in theirrespective member brochures and contracts. Upon request, the OxyLink EmployeeService Center will provide written materials that describe the regionally availableoptions, their respective covered and non-covered benefits, plancopayments/coinsurance, procedures to be followed in obtaining benefits, and thecircumstances under which benefits may be may elect a regional plan option if you live in the applicable geographic area. Ifyou enroll in a regional plan and move out of the applicable geographic area, youmust make a new MEDICAL coverage election within 31 days after the date of yourmove.

3 To make a new election, you must notify OxyLink and complete and return anyappropriate forms within the 31-day eligibility and participation requirements described in this booklet apply to allavailable of ContentsBenefits at a Glance .. 1 For Help and Information .. 7 Eligibility and 9 Eligibility .. 10 Changing Your Elections .. 12 About Health Savings Accounts .. 13 Using the plan .. 14 AETNA HealthFund Option .. 14 AETNA Provider Network .. 14 Out-of-Area Benefits .. 15 Sharing the Cost .. 16 Precertification .. 17 Understanding Precertification .. 17 The Precertification Process .. 17 Services and Supplies Which Require Precertification .. 18 What the plan 20 Hospital Services .. 20 Emergency and Urgent Care .. 21 Physician Services .. 22 Preventive Care .. 22 Spinal Manipulation Benefit .. 24 Family Planning .. 25 Dental Care .. 25 Obesity 26 Short-Term Rehabilitation Therapy Services .. 27 Reconstructive or Cosmetic Surgery and Supplies .. 29 Skilled Nursing Facility 2901/01/2011 HealthFundivHome Health 30 Hospice Care.

4 32 Ambulance 33 Durable MEDICAL Equipment .. 33 Diagnostic and Preoperative Testing .. 33 Prosthetic 34 Treatment of Mental Disorders and Substance 35 Prescription Drug 38 What the Prescription Drug Benefit Covers .. 41 What the Prescription Drug Benefit Does Not 42 Special Programs .. 43 National MEDICAL Excellence Program .. 43 Other Special Programs .. 45 Women s Health Provisions .. 48 What the plan Does Not Cover .. 49 Coordination With Other 57 When Coordination of Benefits 57 Getting Started - Important Terms .. 57 Which plan Pays First .. 59 How Coordination of Benefits Works .. 61 Claims and Benefit 64 Subrogation and Right of Recovery Provision .. 67 When You Disagree With a Claim Decision .. 70 When Coverage 75 When Employee Coverage Ends .. 75 Death .. 75 When Dependent Coverage Ends .. 76 Certificate of Group Health Coverage .. 76 Continuation of Coverage .. 77 During Illness or 7701/01/2011 HealthFundvDuring Approved Leaves of 77 During Military Leave.

5 77 Under 78 General 81 Other plan Provisions .. 81 Privacy Notice for Health 82 Your Rights as a plan Participant .. 82 plan Documents .. 84 Discretionary Authority of plan Administrator and Claims 85No Guarantee of Employment .. 85 Future of the plan and plan Amendment .. 85 plan Administration .. 86 Glossary .. 87 Refer to subsequent issues ofBenefits Newsfor any material changes to thePlan made after the date of this AT A GLANCEThe plan is designed to provide financial protection when you or a covered familymember needs MEDICAL care. It provides MEDICAL coverage you need when an Illness orInjury strikes, certain preventive care, and access to special programs that focus onimproving your health or helping you stay MEDICAL benefits described in this booklet are offered to Occidental PetroleumCorporation and/or affiliated company employees, as defined in theEligibility andEnrollmentsection. This information serves as your Summary plan Description . Youshould keep and refer to it when you have questions about your MEDICAL plan is administered by AETNA Life Insurance Company (referred to as AETNA ) andMedco Health Solutions ( Medco ).

6 The MEDICAL and pharmacy benefits described in thisbooklet are not insured with AETNA or Medco or any of their affiliates and are paid fromOccidental Petroleum Corporation s general words or phrases are defined in theGlossaryat the end of this are some important points to remember about your benefits:The AETNA HealthFund High Deductible Health PlanThe HealthFund option is an alternative to traditional health coverage. It is a highdeductible health plan that is designed to meet Internal Revenue Service (IRS) guidelinesand be compatible with a Health Savings Account (HSA).2011 Annual DeductiblesEmployee Only Coverage$1,200 Employee + One or Family Coverage$2,400 The Health Savings AccountA Health Savings Account is a special, tax-advantaged savings account that works inconjunction with a high deductible health plan . Tax-free contributions to an HSA can beused to pay for qualified current and future health care expenses, or to save forretirement. If you enroll in the HealthFund option, subject to certain restrictions, you maycontribute to an chart below shows your maximum allowable contribution for 2011.

7 Moreinformation about HSAs and how you may use your account is provided later in HSA Contribution InformationCoverage LevelMaximumEmployee ContributionEmployee OnlyFamily$3,050$6,150 Catch-up Contribution$1,000 Your MEDICAL BenefitsOnce the deductible is met, you pay a percentage of the provider's charges (coinsurance)each time you receive covered you need care, you have a choice. You can select a doctor or facility that belongsto the AetnaChoice POS IInetwork (a Network Provider) or one that does not belong(an Out-of-Network Provider). If you use a Network Provider, you may pay less out of your own pocket for yourcare. You will not have to fill out claim forms because your Network Provider willfile claims for you. In addition, your provider will make the necessary telephone callto start the Precertification process when necessary. If you use an Out-of-Network Provider,you may pay more out of your own pocketfor your care. It is your responsibility to make sure your claims are filed and anyrequired Precertification is Fees vs.

8 Recognized ChargesWhen you receive care from a Network Provider, your covered benefits are based onAetna s Negotiated Fees. These are the fees that Network Providers agree to chargeAetna members for their services. In this case, the Recognized Charge rule does notapply. AETNA s Negotiated Fees do not apply to care that is not covered under the you receive care from an Out-of-Network Provider, your benefits are based on theRecognized Charge for a service or supply (as determined by AETNA ). The RecognizedCharge is the usual and recognized charge for health care services in a given geographicarea. If an Out-of-Network Provider charges you more than the Recognized Charge, youmust pay the difference. This excess amount will not apply toward your deductible orout-of-pocket prescription drugs, if you purchase prescriptions from a Medco network retail or mailorder pharmacy, your coinsurance amount is based on Medco s discounted for prescriptions obtained through a non-network pharmacy is describedin the section entitledPrescription Drug you are a retiree, refer to the separate SPD for a Description of your medicalbenefits.

9 If you are an LTD beneficiary, refer to the separate supplement foreligibility and enrollment of BenefitsThe charts in this section show the deductibles, coinsurance, out-of-pocket maximumsand lifetime maximums under the AETNA HealthFund option. Network benefits are basedon Negotiated Fees and Out-of-Network benefits are based on Recognized later in this booklet include more detail about coverage for specific services andsupplies as well as information about prescription drug coverage levels apply to covered expenses after the applicable deductible is metunless otherwise plan InformationAnnual DeductibleEmployee Only Coverage$1,200 Employee + One orFamily Coverage*$2,400 Annual Out-of-Pocket Maximum(includes your deductible)Employee Only Coverage$3,000 Employee + One orFamily Coverage*$6,000 Lifetime Maximum(Network benefits are counted towardyour Out-of-Network maximum)Network: UnlimitedOut-of-Network: $3,000,000*Under the AETNA HealthFund option, the entire deductible must be met before the coinsurance applies(including for prescription drugs) and the entire out-of-pocket maximum must be met in order for the Planto pay 100% of covered expenses for the rest of the calendar year.

10 There is no separate individualdeductible or individual out-of-pocket maximum if you elect employee plus one or family AND EMERGENCY ROOMM edical plan PaysCovered ServicesNetworkOut-of-NetworkHospital ServicesInpatient Coverage90%70%Outpatient Coverage90%70%Ancillary Charges(other than room and board andnursing services)90%70%Mental Health, Alcohol & Drug Abuse CareCovered same as Hospital Services90%70%Emergency Care(non-emergency care not covered)90%90%Urgent Care80%70%Ambulance80%80%Non-Emergency Ambulance80%70%Convalescent (Skilled Nursing) Facility(up to 120 days per calendar year)90%70%01/01/2011 HealthFund5 OTHER MEDICAL BENEFITSM edical plan PaysCovered ServicesNetworkOut-of-NetworkPreventive Care(age and frequency limits apply)Routine Physicals/Well Child ExamsRoutine MammogramsCervical Cancer ScreeningProstate Specific Antigen (PSA) Testand Digital Rectal Exam (DRE)Colorectal Cancer Screening100% not subject todeductible70%Physician ServicesOffice Visits; Surgeon Charges80%70%Diagnostic Lab & X-Ray80%70%Spinal Manipulation( , chiropractic care.)