pre-65 plans
All benefits-eligible retirees must enroll in Chevron retiree health benefits and/or the Retiree HRA Plan upon reaching certain enrollment milestones. You must also enroll your eligible dependents at certain enrollment milestones. If you miss these select opportunities to enroll, you and your eligible dependents must wait until the next applicable enrollment milestone, if any, to return to Chevron retiree health benefits and/or the Retiree HRA Plan in the future.
The basic enrollment milestones are:
- When you retire from Chevron.
- At the loss of Chevron COBRA coverage (including Chevron subsidized COBRA).
- When you lose Chevron or other employer group health coverage.
- When you turn age 65 and become Medicare eligible.
Please see the Enrollment Milestones section from the retiree health summary plan descriptions for more detailed information.
the basics
Retiree health coverage choices will depend on if you (or your eligible dependents) are pre-65 (under age 65) or are post-65 (age 65 or over).
post-65 health coverage
Post-65 (age 65 and over) eligible participants will only be able to enroll in inpidual medical, prescription drug, dental and vision coverage through a private health exchange managed by Via Benefits. Post-65 participants will make enrollment choices with Via Benefits. The Chevron open enrollment period each fall does not apply to post-65 participants.
pre-65 health coverage
Pre-65 (under age 65) eligible participants will currently participate in Chevron group health choices. Pre-65 eligible participants make enrollment choices during the Chevron open enrollment period each fall.
what about dependents?
The age of eligible participants in your family will dictate if they will enroll in Chevron’s pre-65 group health plans or the post-65 individual health options. So, if there are both post-65 and pre-65 eligible participants in your family, pre-65 participants will participate in Chevron group health coverage, and post-65 participants will participate in individual health coverage through Via Benefits.
Both you and Chevron share the monthly cost of retiree medical coverage, if you’re eligible. The way the company contribution is applied to retiree medical coverage may change, depending on age:
pre-65 company contributions
For pre-65 eligible retirees and/or their pre-65 eligible dependents, the company contribution will continue to be automatically factored into your monthly medical premium for your Chevron pre-65 group medical coverage.
post-65 company contributions
Post-65 eligible retirees and/or their post-65 eligible dependents will receive the company contribution through a Health Reimbursement Arrangement, or HRA. Except for the company contribution for catastrophic prescription drug coverage, post-65 eligible retirees and/or their post-65 eligible dependents will receive the monthly company contribution into an HRA. You can use the money in your HRA to help pay the monthly premiums for your Medicare Part B or any of the individual medical, prescription drug, dental or vision plans offered through Via Benefits.
This is a reimbursement account. This means you’ll pay premiums for coverage directly to your insurance carriers and submit claims to Via Benefits for reimbursement from your HRA. If you and your dependent are eligible for the HRA, you and your post-65 eligible dependent will each have a separate HRA account based on the HRA of the eligible retiree.
For questions about post-65 individual health coverage through Via Benefits
- 1-844-266-1392 (toll-free inside the U.S.)
- 1-801-994-9805 (outside the U.S.)
- 5 a.m. to 6 p.m., Pacific time (7 a.m. to 8 p.m. Central time)
- https://my.viabenefits.com/chevron
For questions about pre-65 Chevron group health coverage contact the HR Service Center to speak with a Customer Service Representative.
- HR Service Center
- View personal pre-65 health coverage information or manage your billing on the BenefitConnect website.
available plans
The Medical PPO Plan is one of the self-insured medical plan choices offered to eligible pre-65 retirees and/or their eligible dependents.
- When you enroll in the Medical PPO Plan, you are automatically enrolled in:
- Medical coverage with Anthem Blue Cross (Anthem)
- The Chevron Prescription Drug Program with Express Scripts
- The Chevron Vision Program for basic vision coverage with VSP
- Pre-65 participants are also automatically covered under the Chevron Mental Health and Substance Use Disorder (MHSUD) Plan with Beacon Health Options for behavioral health services, so long as you are not eligible for Medicare.
The Medical PPO Plan is a preferred provider organization (PPO) health plan, so you can choose to see any provider you choose, network or out-of-network. A network is a group of independent medical providers that have agreed with your medical plan claims administrators to charge contracted fees for services provided to plan members.
- Access BenefitConnect to enroll, view or update your coverage
- Contact the HR Service Center to ask questions or to report an enrollment milestone to begin your coverage
- Read the plan's documents to learn more about your coverage
- View this plan's Summary of Benefit and Coverages
- Get claim forms
- Find a network provider
- Learn about the Temporary Special Permian Provision
- Get website, phone numbers and other contact information for your plan
The High Deductible Health Plan (HDHP) is one of the self-insured medical plan choices offered to eligible pre-65 retirees and/or their eligible dependents.
When you enroll in the HDHP, you are automatically enrolled in:
- Medical coverage with Anthem Blue Cross (Anthem)
- The Chevron Prescription Drug Program with Express Scripts
- The Chevron Vision Program for basic vision coverage with VSP
- Pre-65 participants are also automatically covered under the Chevron Mental Health and Substance Use Disorder (MHSUD) Plan with Beacon Health Options for behavioral health services, so long as you are not eligible for Medicare.
The HDHP is a preferred provider organization (PPO) health plan, so you can choose to see any provider you choose, network or out-of-network. But the high deductible part of the HDHP means that compared to other plans Chevron offers, you’ll be responsible for paying a higher dollar amount before the plan shares costs with you. The trade-off for that higher deductible is that the HDHP is compatible with a Health Savings Account (HSA) to help you pay for current and future qualified health care expenses.
- Access BenefitConnect to enroll, view or update your coverage
- Contact the HR Service Center to ask questions or to report an enrollment milestone to begin your coverage
- Read the plan's documents to learn more about your coverage
- View this plan's Summary of Benefit and Coverages
- Get claim forms
- Find a network provider
- Learn about the Temporary Special Permian Provision
- Get website, phone numbers and other contact information for your plan
The High Deductible Health Plan Basic (HDHP Basic) is one of the self-insured medical plan choices offered to eligible pre-65 retirees and/or their eligible dependents.
When you enroll in the HDHP Basic, you are automatically enrolled in:
- Medical coverage with Anthem Blue Cross (Anthem)
- The Chevron Prescription Drug Program with Express Scripts
- The Chevron Vision Program for basic vision coverage with VSP
- Pre-65 participants are also automatically covered under the Chevron Mental Health and Substance Use Disorder (MHSUD) Plan with Beacon Health Options for behavioral health services, so long as you are not eligible for Medicare.
The HDHP Basic is a preferred provider organization (PPO) health plan, so you can choose to see any provider you choose, network or out-of-network. But the high deductible part of the HDHP Basic means that compared to other plans Chevron offers, you’ll be responsible for paying a higher dollar amount before the plan shares costs with you. The trade-off for that higher deductible is that the HDHP Basic is compatible with a Health Savings Account (HSA) to help you pay for current and future qualified health care expenses.
Access BenefitConnect to enroll, view or update your coverage
Contact the HR Service Center to ask questions or to report an enrollment milestone to begin your coverage
Read the plan's documents to learn more about your coverage
View this plan's Summary of Benefit and Coverages
Learn about the Temporary Special Permian Provision
Get website, phone numbers and other contact information for your plan
Chevron offers fully-insured Medical HMO Plan options to eligible pre-65 retirees and/or their eligible dependents. Medical HMO Plans are not available in all areas and the plan choices vary based on your zip code.
When you enroll in a Medical HMO Plan, you are automatically enrolled in
- Medical coverage through the HMO you choose.
- Prescription drug coverage through the HMO you choose.
- Basic vision coverage through the HMO you choose.
- You also have access to behavioral health services through your HMO. This means you are not eligible for the Chevron Mental Health and Substance Use Disorder (MHSUD) Plan.
The Medical HMO Plans are health maintenance organization (HMO) health plans. This means you must use a provider who’s in the plan’s network to receive coverage. Otherwise, those services will not be covered (except in emergencies). Typically, you need a referral to a specialist under the Medical HMO Plans.
Access BenefitConnect to enroll, view or update your coverage
Contact the HR Service Center to ask questions or to report an enrollment milestone to begin your coverage
Read the plan's documents to learn more about your coverage
View this plan's Summary of Benefit and Coverages
Get website, phone numbers and other contact information for your plan
The Dental PPO Plan is available to eligible pre-65 retirees and/or their eligible dependents. This plans helps you pay for diagnostic, preventive, basic, restorative and major dental care up to the plan’s benefit maximums. Delta Dental (Delta) is the claims administrator.
The Dental PPO Plan is a preferred provider organization (PPO) health plan, this means you can see any dentist you choose, network or out-of-network, but using a network provider saves you money.
Access BenefitConnect to enroll, view or update your coverage
Contact the HR Service Center to ask questions or to report an enrollment milestone to begin your coverage
Read the plan's documents to learn more about your coverage
Get website, phone numbers and other contact information for your plan
The Dental HMO Plan is available to eligible pre-65 retirees and/or their eligible dependents. This plans helps you pay for diagnostic, preventive, basic, restorative and major dental care up to the plan’s benefit maximums. DeltaCare USA is the claims administrator.
The Dental HMO Plan is a health maintenance organization (HMO) health plan. This means you must use your primary care dentist in the DeltaCare USA network to receive coverage. Otherwise, those services will not be covered, except in emergencies (and in certain open access states).
Access BenefitConnect to enroll, view or update your coverage
Contact the HR Service Center to ask questions or to report an enrollment milestone to begin your coverage
Read the plan's documents to learn more about your coverage
Get website, phone numbers and other contact information for your plan
The Mental Health and Substance Use Disorder (MHSUD) Plan for eligible U.S.-payroll employees provides confidential support for a wide range of personal issues – from everyday challenges to more serious problems. Beacon Health Options is the claims administrator.
This benefit is automatically provided to eligible pre-65 retirees and/or their eligible dependents who are enrolled in the Medical PPO Plan, the High Deductible Health Plan, or the High Deductible Health Plan Basic, as long as you are not eligible for Medicare. If you are enrolled in a Medical HMO Plan or Medicare, you are not eligible for the MHSUD because your coverage already provides behavioral health benefits.
The MHSUD is a preferred provider organization (PPO) plan, so you can choose to see any provider you choose, network or out-of-network. A network is a group of independent medical providers that have agreed with your medical plan claims administrators to charge contracted fees for services provided to plan members.
Access BenefitConnect to view your coverage
Contact the HR Service Center to ask questions
Read the plan's documents to learn more about your coverage
View this plan's Summary of Benefit and Coverages
Learn about the Temporary Special Permian Provision
Get website, phone numbers and other contact information for your plan
Please note: This page applies to U.S. pre-65 eligible retirees and their pre-65 eligible dependents. This page provides only certain highlights of benefits or program provisions. It is not intended to be a complete explanation. If there are any discrepancies between this communication and legal plan documents, the legal documents will prevail to the extent permitted by law. This is not a plan text or a summary plan description. There are no vested rights with respect to Chevron health care plans or any company contributions toward the cost of such health care plans. Rather, Chevron Corporation reserves all rights, for any reason and at any time, to amend, change or terminate these plans or to change or eliminate the company contribution toward the cost of such plans. Such amendments, changes, terminations or eliminations may be applicable without regard to whether someone previously terminated employment with Chevron or previously was subject to a grandfathering provision. Some benefit plans and policies described in this document may be subject to collective bargaining and, therefore, may not apply to union represented employees.