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.
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 individual 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)
For questions about pre-65 Chevron group health coverage contact the HR Service Center to speak with a Customer Service Representative.
what is a private medicare exchange?
A private Medicare exchange, like Via Benefits (formerly OneExchange) — or an individual insurance market — enables you to shop for and enroll in individual Medicare plans. In fact, the individual insurance market offers more choice and flexibility to meet individual retiree’s needs and situations. Chevron simply cannot provide comparable choice and flexibility by continuing to sponsor our own group health plans for post-65 retirees.
Don’t confuse Via Benefits private exchange with the public Health Insurance Marketplace developed in response to the Patient Protection and Affordable Care Act passed during President Obama’s administration. Via Benefits is completely separate from public health exchanges and is only open to select participant groups, such as Chevron’s eligible retirees.
contact via benefits
- 1-844-266-1392 (Inside the U.S.)
- 1-801-994-9805 (Outside the U.S.)
- 7 a.m. – 8 p.m. Central time
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.