high deductible health plan

overview

With the Chevron High Deductible Health Plan (HDHP) you’ll get quality medical coverage, and the tax advantages and saving capabilities of a Health Savings Account (HSA).

With the Chevron High Deductible Health Plan (HDHP) you’ll get quality medical coverage, and the tax advantages and saving capabilities of a Health Savings Account (HSA). HDHP coverage is much like a traditional PPO, so you can choose any doctor you want, in the 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 the unique opportunity to participate in a Health Savings Account to help pay for current and future qualified health care expenses.

the basics

  • You can enroll in the HDHP if you're a U.S.-payroll employee and you're eligible for Chevron's health benefits. You can also enroll your eligible dependents, just as you can with Chevron's other health plans.
  • U.S.-payroll expatriates cannot enroll in this plan while on expatriate assignment, but you'll have the option when you repatriate to the United States.
  • The HDHP is a preferred provider organization (PPO) health plan. This means you can choose to see any provider you want, but higher benefits are paid when you go to a network provider.
  • The HDHP includes medical coverage with Anthem Blue Cross (Anthem), prescription drug coverage with Express Scripts and mental health and substance abuse coverage with ValueOptions, a Beacon Health Company. In addition, if you enroll in the HDHP, you're also automatically enrolled in the Vision Program for basic vision coverage with VSP.
  • The HDHP generally covers the same services as the HDHP Basic and the Medical PPO Plan. But the HDHP monthly premium, deductible, coinsurance amounts are different. And there are important differences in how the HDHP deductible works.
  • The HDHP and HDHP Basic are the only medical plans Chevron offers that are compatible with a health savings account (HSA). If you enroll in the HDHP or the HDHP Basic you are not eligible to participate in the Health Care Spending Account (HCSA) – a flexible spending account plan.

HSA compatible

One feature that makes the HDHP special is that it's compatible with a health savings account. A health savings account – or HSA – is like a savings plan for your health care. An HSA is a personal account separate from your Chevron benefits. It works like a regular bank account, but you don't currently pay federal income taxes on money you deposit. Your savings grow from year to year. There is no use it or lose it rule. And you can take your money with you if you change plans or when you leave Chevron. You can use an HSA to pay for qualified medical expenses now or at any point in the future – even in retirement. There are a lot of rules about who can open and contribute to an HSA, how it's used, and how taxes work, so be sure to do your research before you take action. Learn more about HSAs, including the BenefitWallet HSA.

plan facts-at-a-glance

preventive care

The HDHP includes 100 percent coverage with no deductible for certain preventive care services, as specified by the Affordable Care Act, when you see a network provider. Additional preventive screenings and services may also be covered, depending on factors like your age and gender. If you see an out-of-network provider, your visit is subject to the deductible and copayments or coinsurance will apply.

second opinion requirement

We request that you seek a second opinion through 2nd.MD – the new Health Decision Support Program administrator - prior to receiving any of the four medical procedures (on a non-emergency basis) listed below. If you decline to use the service for these four procedures, that's your choice. But by doing so, you will be responsible for an additional $400 added to your total claim cost for the procedure, whether or not you've met the deductible.

  • Knee surgery
  • Hip surgery
  • Back surgery
  • Spine surgery

The second medical opinion service is free to eligible employees enrolled in a Chevron medical plan. It's always your decision whether to follow the second opinion, or stay the course on your original treatment plan. We're simply asking that you seek a second opinion through the 2nd.MD service to help you make informed decisions about your care before your knee, hip, back or spine procedure. This requirement currently only applies to eligible employees enrolled in the Chevron Medical PPO Plan, the Chevron HDHP and the Chevron HDHP Basic.

up to $1,000 in an HSA

Chevron will also contribute to your HSA in 2018. To help you build your HSA account more quickly from the start, Chevron will prefund $500, $750 or $1,000 to the BenefitWallet HSA for eligible employees.

resources

key documents

find a network provider

There are different coinsurance, copayment, deductible, and out-of-pocket maximum amounts depending on if you see a network or an out-of-network provider. Research the provider network.

contact your plan

Please note: This page applies to U.S.-payroll employees. 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.