medical PPO plan

had a recent life event?

If you get married, have a baby, move or experience some other qualifying life event, you have 31 days to make changes to your benefits. If you miss this important deadline, you'll have to wait until the next open enrollment period to change your benefits.

Important: Chevron will suspend the monthly premium for employees enrolled in the Chevron Medical PPO who currently have premiums taken from their pay from May through September 2021. This means that the cost for medical coverage under these plans will be $0 during this premium holiday period. Your first May 2021 paycheck is the first paycheck with no premium deduction. Your normal deductions (if any) will be reinstated on your first October 2021 paycheck. Learn more about the premium holiday here

care a lot, get a shot ... and points

This new activity is now available for points! Earn 50 points when you get at least one COVID-19 vaccine dose (any brand) between January 1, 2021 and November 12, 2021. Log in to the WebMD website, go to the Rewards page, look for Get a COVID Shot under the Physical Health category, then enter the date of your shot.

the basics

  • You can enroll in the Medical PPO Plan 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 PPO Plan is a preferred provider organization (PPO) health plan, so you can choose to see any provider you want. However, remember that you pay more out-of-your pocket if you visit an out-of-network provider.
  • The Medical PPO Plan 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 Medical PPO Plan, you're also automatically enrolled in the Vision Program for basic vision coverage with VSP.
  • The Medical PPO Plan generally covers the same services as the HDHP and the HDHP Basic. But the Medical PPO monthly premium, deductible, copayment and coinsurance amounts are different. And there are important differences in how the Medical PPO deductible works.
  • The Medical PPO Plan is 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.

enrolling a new dependent?

You're required to verify the eligibility of any new dependents you intend to enroll in your Chevron health plans. If you enroll your dependent(s) in health coverage, you'll have up to 60 days to obtain and submit requested documentation that verifies your dependents are eligible to participate in Chevron’s health benefits. If you don’t provide acceptable documentation by the deadline, your dependents will be disenrolled from coverage. Get the details.

plan facts at-a-glance

recent plan changes

Things change; be sure you're informed. The documents provided below are called a summary of material modification (SMM). An SMM explains recent updates to your plan that are not yet captured or updated in your summary plan description (SPD). Be sure to review the SMM for an understanding of important plan updates.

prescription drug formulary & exclusions

summary plan description (SPD)

summary of benefits and coverage (SBC)

services from a network provider

If you go to a network provider for services, you generally don’t have to file a claim form for network benefits.
 

services from an out-of-network provider

If you visit an out-of-network provider you may have to pay the cost out-of-pocket and/or be billed directly from the provider. To be reimbursed for covered services, you’ll have to file a claim form with the claims administrator.  
To ensure timely payment, you should file your claim as soon as you can. If you don’t file a claim within 365 days from the date on which you incur a covered charge, no plan benefits will be payable for that covered charge.  

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. Find a network provider here.

talk with a health professional from home

With a virtual health visit service (also referred to telehealth), you can receive care for minor issues, right from home. Many of Chevron's health plans provide access to telehealth services. Learn more about what's available.

second opinion requirement

We request that you seek a second opinion through 2nd.MD — the 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.

get in the know

preventive care coverage

Preventive care is an investment in your health. All Chevron medical plans include 100 percent coverage with no copayment, coinsurance or deductible for certain preventive care services when you see a network provider.

engage in your health

With Engage, you can see what's covered by your medical plan, compare the cost of services, and see where you've spent your medical care dollars.

pay less for coverage

Participate in health rewards to save up to $750 annually on your Chevron medical premium.

supplement your coverage

Did you know you can supplement your medical coverage with a variety of optional benefits such as health accounts, the Vision Plus Program, Group Critical Illness insuranceGroup Hospital Indemnity insurance, and Long Term Care insurance?

contact information

The HR Service Center manages your enrollment in and eligibility for this benefit plan. For all other questions regarding your coverage, contact the claims administrator. A claims administrator manages the administration of your plan — for example, claims, account balances, ID cards, what's covered and what's not, provider networks, phone numbers, the administrator's website or mobile app, and more. 

You can find key contact information for medical, prescription drugs, and basic vision services from the Contacts section of this website.

This web page provides only certain highlights about changes of benefit provisions. It is not intended to be a complete explanation. If there are any discrepancies between this communication and the legal plan documents, the legal plan documents will prevail to the extent permitted by law. There are no vested rights with respect to Chevron health care plans or any company contributions towards 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.