about preventive care benefits
Preventive care is an investment in your health. When you spot a disease or illness early through preventive care, the outcomes may be improved and the cost for treatment may be reduced. And in some situations, early detection and lifestyle changes can prevent the disease entirely. This means you enjoy better health and we all save money.
Your Chevron health plans cover a variety of important preventive screenings and services. All plans include 100 percent coverage with no copayment, coinsurance or deductible for certain preventive care services, as specified by the Affordable Care Act, when you see a network provider.
use a network provider
All plans include 100 percent coverage with no copayment, coinsurance or deductible for certain preventive care services, as specified by the Affordable Care Act, when you see a network provider. It’s important to use a network provider because that’s the only way your plan will provide 100 percent coverage. Here are links to find a network provider online, or you can simply contact your health plan directly.
If you see an out-of-network provider you’ll typically pay a percentage of maximum allowable amounts and the annual medical deductible will apply. (Pertains to Medical PPO Plan, High Deductible Health Plan (HDHP), HDHP Basic, and Global Choice Plan. Contact your Medical and Dental HMO directly for details.)
yes, it's covered
If you're enrolled in a Chevron medical and dental plan, you're eligible for certain basic exams, regardless of your age or gender. Annually, all participants can receive:
- A physical exam that includes your height, weight and blood pressure and other preventive services based on your age and gender (medical plans).
- A comprehensive eye exam including dilation as needed (basic vision coverage).
- Two routine dental cleanings and some x-rays (bitewings) per year. Pregnant participants are eligible for three cleanings (dental plans).
All Chevron medical plans generally use the U.S. Preventive Services Task Force and other similar guidelines to determine the evidence-based recommended screenings and frequency that are covered under the plan. Ask your doctor about which screenings you may need and the frequency for screenings. Common screenings and services covered - depending on personal factors such as your age and gender - include:
- Cholesterol screening
- Breast cancer screening
- Cervical cancer screening
- Prostate cancer screening
- Colon cancer screening
- Vision exam
- Dental cleanings
We know dental exams — like many other preventive care exams — are not exactly fun. But there’s a reason they are covered by your plan: they are important to good health. Your Chevron dental plans already cover at least two preventive dental cleanings per year; that will continue in 2018. Covered preventive dental services are 100 percent paid by your plan, with no deductible or copayment when you use a network provider. If you are enrolled in the Chevron Dental PPO Plan or the Chevron Dental HMO Plan, you’re encouraged to take steps to protect your health and receive at least one preventive dental cleaning* between January 1 and December 31, 2018. If you do not participate in this preventive care measure in 2018, you will pay $120 more for your annual dental plan premium in 2019. It’s still your choice to receive a cleaning or not, but if you choose to participate, you’ll save money in 2019 and you’ll be doing something good for your health.
* For participants with dentures, receive at least one oral exam in lieu of a cleaning.
young or already healthy?
Don't take it for granted that you're too young or too healthy to worry about scheduling your preventive care visits. Early detection of risk factors when you are young or healthy can help you avoid bigger problems later in life.
Ask your doctor to code the visit as "preventive" to ensure your health plan accurately applies the visit to your preventive care benefit. If your visit isn't coded as preventive you may not receive the maximum reimbursement available under your plan.
enrolled in the HCSA or have an HSA?
Money you spend out-of-pocket for a preventive screening is an eligible expense under the Health Care Account Program (HCSA) or a health savings account (HSA) if you're enrolled at the time you incur the expense.