medical HMO plans


Chevron Medical HMO Plans are offered based on your zip code, so not everyone will have this option. With an HMO plan, you must use a provider who’s in the network to receive coverage.

new! benefit coverage for at-home tests

You can now receive up to eight over-the-counter, FDA-approved, at-home COVID-19 diagnostic tests per each 30-day period through your Express Scripts prescription drug coverage. Learn more about what you need to know

the basics

  • Medical HMO Plans are not available in all areas and the plan choices vary based on your zip code.
  • You can enroll in a Medical HMO Plan – if available in your area – 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 Medical HMO Plans are health maintenance organization (HMO) health plans. This means you must use aprovider 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.
  • Your Medical HMO Plan includes medical coverage, prescription drug coverage and basic vision coverage provided by the HMO. 
  • If you are enrolled in a Chevron Medical HMO Plan, you have the choice to use the mental health and substance abuse benefits provided by your HMO Plan, or to use the benefits provided under the Mental Health and Substance Abuse (MHSA) Plan administered by Beacon Health Options. However, you cannot make a claim to both your HMO Plan and MHSA Plan for the same service. If you are enrolled in a Chevron Medical HMO Plan and you choose to use your MHSA Plan benefit, you must use a Beacon network provider to receive MHSA Plan benefits. Out-of-network provider services are covered for emergencies only. 
  • The Medical HMO Plans offer comprehensive coverage for the major medical services you’d expect, including office visits, emergency services, hospital care, lab services, outpatient care, pregnancy and newborn care and rehabilitative services. But there are important differences in how a Medical HMO Plan works compared to the Medical PPO, HDHP and HDHP Basic plans. Be sure to learn about these important differences before you enroll.
  • The Medical HMO Plans are not compatible with a health savings account (HSA). However, the Health Care Spending Account (HCSA) – a flexible spending account plan – is available to help you save money for qualified health expenses you incur during the calendar year.

annual deductible

The average annual deductible for most Medical HMO Plans is $300. However, some Medical HMO Plans may have a different deductible, and a few have no deductible at all. Review the Summary of Benefits and Coverage (SBC) to see the annual deductible amount for any Medical HMO Plans available to you. You'll need to contact the HMO directly starting each January to understand what is and is not applied to your deductible.

preventive care

All plans include 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, the services are not covered.

second opinion service

Medical HMO Plan participants do not need to seek a second opinion through the Health Decision Support Program prior to receiving knee, hip, back or spine surgery. That's because many Medical HMO Plans already have programs and procedures in place to address the positive benefits of seeking a second opinion. However, Medical HMO Plan participants are still encouraged and eligible to use the services of the Health Decision Support program to seek a second opinion on any diagnosis they may be facing.

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.