2024 benefits
open enrollment
for U.S.-payroll employees
Open enrollment for 2024 benefits ended October 27, 2023.
Looking for a consolidated recap of 2024 benefit changes? See the 2024 Plan Information section on this page.
The open enrollment deadline has passed. If you need to make a change to your health coverage, you must wait until the next open enrollment period, October 14 - October 25, 2024, for 2025 benefits. However, you can make changes to certain benefits outside of the open enrollment period within the 31-day deadline after a qualifying life event, such as a marriage or birth. Any changes you made to your benefit coverage during open enrollment became effective January 1, 2024.
review or manage 2024 coverage
health rewards
- October 27, 2023 was the deadline for reduced 2024 medical premiums
- 2024 Wellness Credit information
- Review the program for the 2025 Wellness Credit opportunity on the Health Rewards page.
dependent verification
If you enrolled a new dependent in your health plan(s) during open enrollment in October 2023, don't forget you have 60 days to provide documents to verify that your dependents are eligible to participate. Get more information.
2024 plan information
To review the plan changes for 2024, access benefit summaries and highlights, or learn more about coverage, choose a tab above to get started.
Download the full compilation of all 2024 changes for active U.S. Payroll employees here.
- This full compilation also includes 2023 changes that were previously released mid- year and annual health notices we are required to issue to participants.
- This compilation was sent to you via email from the HR Service Center or mailed to your home, depending on the communication preferences you have chosen from the BenefitConnect website.
2024 health premiums
IMPORTANT: The premiums below are monthly. The BenefitConnect enrollment site displays per pay period premiums.
- 2024 Medical plan comparison
- For a closer look at each medical plan's numbers and coverage, including HMOs, see the summary of benefits (SBC) documents.
- All medical plan premiums (intranet)
- Dental and vision premiums (intranet)
summary of benefits and coverage (SBC)
SBC documents provide summary information such as benefits, copayments/coinsurance, and deductibles for your medical and mental health and substance use disorder plans.
Why these documents are useful: These documents share the same format and types of content, so it makes it easy to compare and contrast the features of the different plans available to you prior to enrollment.
dependent verification process
If you enroll in Chevron health plans, you may also enroll your eligible dependents for coverage under the same medical, dental, vision and certain other health benefit plans. Eligible dependents include your spouse or domestic partner and eligible children. All employees are required to verify the eligibility of any new dependents you enroll in Chevron health plans through the dependent verification process. This is a one-time process per dependent and applies to all health plans that require dependent verification.
prepare for dependent verification
You can prepare in advance of enrollment and preview the documents you’ll need to provide here. Please do not complete and return the sample forms posted here as they are for your reference only. If dependent verification applies to you, personalized forms and instructions will be provided to you when you enroll on the BenefitConnect website.
- Learn about the process
- Who you can cover & Acceptable proof documents
- Chevron Affidavit of Domestic Partnership Form (F-6)
pay attention to the 60-day deadline
When you enroll your dependent(s) in Chevron health coverage for the first time, you will 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.
medical PPO
Medical updates (Anthem)
- Medical PPO summary of benefits and coverage (SBC)
- Anthem Total Health Total You - Inclusive Care (2024)
- Updates to COVID-19 coverage due to end of Public Health Emergency (May 2023)
- Update to HIPAA special enrollment or COBRA qualifying event deadlines due to end of National Health Emergency (July 2023)
- Change of address for service of legal process agent (October 2023)
Prescription Drug Program updates (Express Scripts)
- New rules for COVID-19 over-the-counter diagnostic tests (2024)
- InMynd Behavioral Health: New Condition-Specific Specialty Program (2024)
- Remote Hypertension Monitoring: New Condition-Specific Specialty Program (2024)
- Temporary rules for COVID-19 over-the-counter diagnostic tests now end December 31, 2023 (May 2023)
- Updates to COVID-19 coverage due to end of Public Health Emergency (May 2023)
Medical PPO decision tools and resources
high deductible health plans
(HDHP and HDHP Basic)
Medical updates (Anthem)
- HDHP summary of benefits and coverage (SBC)
- HDHP Basic summary of benefits and coverage (SBC)
- HDHP Annual Combined Deductible Increase (2024)
- Anthem Total Health Total You - Inclusive Care (2024)
- Updates to COVID-19 coverage due to end of Public Health Emergency (May 2023)
- Update to HIPAA special enrollment or COBRA qualifying event deadlines due to end of National Health Emergency (July 2023)
- Change of address for service of legal process agent (October 2023)
Prescription Drug Program updates (Express Scripts)
- New rules for COVID-19 over-the-counter diagnostic tests (2024)
- InMynd Behavioral Health: New Condition-Specific Specialty Program (2024)
- Remote Hypertension Monitoring: New Condition-Specific Specialty Program (2024)
- Temporary rules for COVID-19 over-the-counter diagnostic tests now end December 31, 2023 (May 2023)
- Updates to COVID-19 coverage due to end of Public Health Emergency (May 2023)
HDHP/HDHP Basic decision tools and resources
- 2024 Medical Plan Comparison
- Research network providers
- Express Scripts Price a Prescription tool
- 2024 Prescription Drug Program Formulary | 2024 List of Exclusions
- 2024 Prescription Drug Program List of Standard Preventive Medications
- Contact Anthem, Express Scripts or VSP to ask questions
- Learn more about the HDHP
- Learn more about the HDHP Basic
medical HMO
As a reminder, Medical HMO plan availability varies by zip code and may not be offered in your area. Medical, prescription drug, basic vision coverage is provided by the Medical HMO claims administrator.
- Medical HMO - Kaiser Northern California: Update to COVID-19 coverage (November 2023)
- Medical HMO - Kaiser Southern California: Update to COVID-19 coverage (November 2023)
- Contact your HMO directly for changes to your coverage effective January 1, 2024.
- Review the Summary of Benefits and Coverage (SBC) for your Medical HMO for information about your plan's deductible (if any), copayment, out-of-pocket limit, and other coverage summary information.
- Learn more about Medical HMOs
Decision tools and resources
Thinking about switching medical plans for 2024? If you are comparing an available Medical HMO with one of the national Anthem plans (Medical PPO, HDHP, HDHP Basic) use the 2024 Medical Plan Comparison for a snapshot of the basics. Then open the Summary of Benefits and Coverage for your Medical HMO to review information specific to your HMO. You should also open the Summary of Benefits and Coverage for the Medical PPO, HDHP, and HDHP Basic to compare features across all four plan choices. During open enrollment, the BenefitConnect website also provides the option to select up to three available medical plans to view a side-by-side comparison of key features. Lastly, follow these instructions to search the provider network for the plan you are considering.
global choice plan (U.S.-payroll expatriates)
Important Notice: Due to an administrative change, starting January 1, 2024, the Cigna Envoy system will automatically default to send Cigna communications to your Chevron email address, even if you have previously entered a personal email address. If you prefer that Cigna communications go to a personal email address instead, you must take action on or after January 1 by logging in to Cigna Envoy and re-entering the desired email address.
Medical services - inside or outside the U.S. (Cigna)
Prescription drugs - outside the U.S. (Cigna)
- No plan changes to your Cigna medical and prescription drug coverage for 2024.
- 2023 Cigna Benefit Summary and Highlights (2024 coming soon)
- Contact Cigna to ask questions
- Learn more about the Global Choice Plan
Reminder: If you are enrolled in the Chevron Global Choice Plan, your Cigna coverage administers prescription drugs obtained outside the U.S. Mail order is not available outside the U.S. There is no separate monthly premium for prescription drug coverage.
Prescription drug program - inside the U.S. and mail order (Express Scripts)
If you are enrolled in the Chevron Global Choice Plan, you automatically have Chevron Prescription Drug Program coverage with Express Scripts for prescription drugs obtained through mail order or inside the U.S. There is no separate monthly premium for prescription drug coverage.
- New rules for COVID-19 over-the-counter diagnostic tests (2024)
- InMynd Behavioral Health: New Condition-Specific Specialty Program (2024)
- Remote Hypertension Monitoring: New Condition-Specific Specialty Program (2024)
- Temporary rules for COVID-19 over-the-counter diagnostic tests now end December 31, 2023 (May 2023)
- Updates to COVID-19 coverage due to end of Public Health Emergency (May 2023)
- Change of address for service of legal process agent (October 2023)
Prescription Drug Program tools and resources
health care spending account (HCSA)
As a reminder, you must re-enroll in the HCSA every year to continue your participation. Enroll during open enrollment to participate again in 2024.
- You cannot participate in the HCSA if you are enrolled in the HDHP or HDHP Basic for 2024. There is no carryover of 2023 HCSA into 2024.
- 2024 Annual Contribution Limit (January 2024)
- 2023 claims deadline, and normal claims deadline resumes in 2024 (April 2023)
- HSA vs. HCSA
- Change of address for service of legal process agent (October 2023)
- Learn more about HCSA
Note: You cannot contribute more than the IRS annual limit each year. However, employers, like Chevron, are permitted to set an annual limit for their plans that may be less than the IRS annual limit. Due to the timing of Chevron’s open enrollment and the timing of any potential IRS increases, Chevron is unable to change the HCSA maximum contribution limit for the 2024 plan year to align with any new IRS limits, should they be announced.
dependent day care
spending account (DCSA)
As a reminder, you must re-enroll in the DCSA every year to continue your participation. Enroll during open enrollment to participate again in 2024.
- No plan changes for 2024. There is no carryover of 2023 DCSA amounts into 2024.
- 2024 Annual Contribution Limit
- 2023 claims deadline, and normal claims deadline resumes in 2024 (April 2023)
- Change of address for service of legal process agent (October 2023)
- Learn more about DCSA
benefitwallet health savings account (HSA)
If you are enrolled in the Chevron HDHP or Chevron HDHP Basic you may be eligible to open and contribute to a health savings account (HSA) for as long as you remain eligible under the IRS rules. Chevron offers access to the BenefitWallet Health Savings Account (HSA) with the convenience of payroll deductions. Chevron also contributes to the BenefitWallet HSA if you meet the eligibility requirements.
Company contributions to the BenefitWallet HSA
To participate in payroll deductions and to receive the company contribution in 2024, you must elect and open a BenefitWallet HSA from the BenefitConnect website during open enrollment. Opening an account is a one-time requirement. If you already contribute to the BenefitWallet HSA through Chevron payroll deductions, you do not need to re-enroll during open enrollment. There is no change to the current company contribution amount for 2024:
Get more HSA details including how to open an account and the eligibility rules for receiving the company contribution in 2024.
HSA Contribution Limit
Under IRS rules, the maximum contribution limit to a health savings account (HSA) for 2024 is $4,150 for individuals and $8,300 for families, with an extra $1,000 in catch-up contributions allowing starting in the calendar year you turn age 55. As a reminder, this limit applies to the total of all employer contributions, your payroll contributions, and contributions you make separately to all HSA accounts you own. You are solely responsible for ensuring your total contributions do not exceed the IRS limit.
HSA tools and resources
- IRS Publication 969 - HSA Eligibility Rules
- HSA vs. HCSA
- More HSA details including how to open an account and the eligibility rules for receiving the company contribution in 2024.
- BenefitWallet HSA tools and info - DO NOT enroll or open an account directly with BenefitWallet or on their website! Contact BenefitWallet directly with HSA questions only; enroll and open an account on the BenefitConnect enrollment website.
mental health and substance
use disorder (MHSUD) plan
Plan changes
- Beacon Health Options is now Carelon Behavioral Health (March 2023)
- Talkspace - An additional telebehavioral health service (2023)
- Annual combined deductible for HDHP participants (2024)
- Change of address for service of legal process agent (October 2023)
Plan tools and resources
- Research network providers
- Summary of Benefits and Coverage (SBCs) for the MHSUD Plan are available
- Contact the plan to ask questions
- Learn more about MHSUD coverage
Important reminder for Medical HMO Plan participants
If you are enrolled in a Chevron Medical HMO Plan, your plan also includes behavioral health coverage, available through your HMO. You have the choice to use your HMO coverage or the MHSUD coverage, but not both for same service. In addition, out-of-network providers are not covered whether through MHSUD or HMO Plan. Contact your Medical HMO directly for information about behavioral health coverage through your HMO and changes for 2024, if any.
dental plans
Dental PPO (Delta)
- 2024 Dental premiums (intranet)
- 2024 Dental PPO Benefit Summary and Highlights (U.S-payroll)
- Research network providers
- New teledentistry services (virtual visits) (2024)
- Change of address for service of legal process agent (October 2023)
- Contact the plan to ask questions
- Learn more about the Dental PPO Plan
Dental HMO (DeltaCare USA)
- 2024 Dental premiums (intranet only)
- 2024 Dental HMO Schedule of Benefits
- Research network providers
- Contact the plan to ask questions
- Learn more about the Dental HMO
2024 Dental surcharge reminder
As a reminder, if you are currently enrolled in the Chevron Dental PPO or Dental HMO Plan in 2023, you must receive at least one preventive dental cleaning between January 1 and December 31, 2023. Only you, the employee, are required to receive this cleaning for purposes of the dental surcharge. If you do not participate in this preventive care measure in 2023, you will pay $120 more for your annual Dental PPO or Dental HMO Plan premium in 2024 (if enrolled). Learn about the dental surcharge.
vision plus program
The Vision Plus program is a voluntary coverage option that provides prescription eyewear coverage at an additional payroll deduction. Your Chevron medical plan already provides some level of basic vision coverage. Vision Plus is additional coverage for prescription eyewear that goes beyond your basic vision coverage. Any U.S.-payroll employee eligible for Chevron's health plans can enroll, and you can enroll even if you waive Chevron health coverage.
- No Vision Plus Program changes for 2024.
- 2024 Vision Plus Program monthly premiums
- 2024 Vision Plus Program Summary and Highlights (Page 2, BLUE column)
- Research network providers
- Learn more about Vision Plus Program
basic vision
medical PPO - HDHP - HDHP Basic
If you are enrolled in the Chevron Medical PPO, HDHP, or HDHP Basic you automatically have basic vision coverage under the Chevron Vision Program with VSP. There is no separate monthly premium for basic vision coverage.
- No changes to your VSP basic vision coverage for 2024.
- 2024 Basic Vision Summary and Highlights (Page 2, GRAY column)
- Research network providers
- Contact the plan to ask questions
- Learn more about Basic Vision Coverage
basic vision
HMO plans
If you are enrolled in a Chevron Medical HMO Plan basic vision coverage is included and provided by your plan. There is no separate monthly premium for basic vision coverage.
- Contact your HMO directly for any changes to your vision coverage effective January 1, 2024.
- Summary of Benefits and Coverage (SBCs) for your Medical HMO include information about basic vision coverage under your plan.
basic vision
global choice plan
If you are enrolled in the Chevron Global Choice Plan basic vision coverage is included and provided by VSP. There is no separate monthly premium for basic vision coverage.
- No changes to your VSP basic vision coverage for 2024.
- 2024 Basic Vision Summary and Highlights (Page 2, GRAY column)
- Research network providers
- Contact the plan to ask questions
- Learn more about the Global Choice Plan
group critical illness insurance
- No changes for 2024.
- Go to Aflac's site for Chevron to review rates and other plan details
- Group Critical Illness Insurance brochure
- Group Critical Illness Insurance Certificate of Coverage
- Learn more about critical illness insurance
group hospital indemnity insurance
- No changes for 2024.
- Go to Aflac's site for Chevron to review rates and other plan details
- Group Hospital Indemnity brochure
- Group Hospital Indemnity Certificate of Coverage High | Low
- Learn more about hospital indemnity insurance
new insurer for life and accident coverage
Chevron has selected Securian Life Insurance Company, a subsidiary of Securian Financial, to replace MetLife and CIGNA as the insurer and claims administrator for Chevron Basic Life Insurance, Supplemental Life Insurance, Dependent Life Insurance, Business Travel Accident Insurance, On-the-Job Accident Insurance and Voluntary Group Accident Insurance. New summary plan descriptions and insurance certificates will be issued in 2024.
basic life insurance
- Updates to claims administrator and insurer, grief counseling, and funeral planning (2024)
- Read the plan summary (2024)
- Learn more about the current plan
- Learn more about current grief counseling services
- Learn more about current funeral planning services
supplemental life insurance
- During open enrollment for 2024 benefits, you have a special one-time opportunity to elect or increase existing Supplemental Life Insurance coverage by one times your base annual earnings, up to $1,500,000, without providing proof of good health. Any changes you make to this coverage during open enrollment will become effective January 1, 2024, through Securian.
- Updates to claims administrator and insurer, will preparation, grief counseling, funeral planning (2024)
- Read the plan summary (2024)
- Learn more about the current plan
- Learn more about current grief counseling services
- Learn more about current funeral planning services
- Learn more about current will preparation services
dependent life insurance
- During open enrollment for 2024 benefits, you have a special one-time opportunity to elect or increase existing Spouse Dependent Life Insurance by one $10,000 increment, up to $250,000, without providing proof of good health. Any changes you make to this coverage during open enrollment will become effective January 1, 2024, through Securian.
- Updates to claims administrator and insurer (2024)
- Read the plan summary (2024)
- Learn more about the current plan
voluntary group accident insurance
- You must enroll or re-enroll during open enrollment to have coverage in 2024 through Securian. If you don’t enroll, any existing coverage will end effective December 31, 2023.
- Updates to claims administrator and insurer (2024)
- Read the plan summary (2024)
- Learn more about the current plan
business travel accident insurance
- Updates to claims administrator and insurer (2024)
- Read the plan summary (2024)
- Learn more about the current plan
on-the-job accident insurance
updated contact information
Chevron’s absence management partner and Short- and Long-Term Disability plans claims administrator was acquired and has a new name – Alight. The former name and address for ReedGroup may be referenced in plan materials and documents but should be considered no longer active and valid.
short-term disability (STD) plan
long-term disability (LTD) plan
2024 health premiums
IMPORTANT: The premiums below are monthly. The BenefitConnect enrollment site displays per pay period premiums.
- 2024 Medical plan comparison
- For a closer look at each medical plan's numbers and coverage, including HMOs, see the summary of benefits (SBC) documents.
- All medical plan premiums (intranet)
- Dental and vision premiums (intranet)
research network providers
If you're enrolled in a Medical or Dental HMO Plan, you must visit a provider in the HMO's network, otherwise your services aren't covered (except for certain emergency situations). But for our other medical, dental, mental health and substance use disorder plans, you have the choice to use any provider you want, in the network or out-of-network. While you have a choice, you will save money when you use a network provider because there are different deductible, out-of-pocket amounts and copayment or coinsurance amounts for covered services depending on if you see a network or an out-of-network provider. We've consolidated the links and phone numbers you need to find or research a network provider here: Research network providers.
prescription drug program (express scripts) decision tools and resources
- Express Scripts Price a Prescription tool (Includes Locate a Pharmacy tool also)
- 2024 Prescription Drug Program Formulary | 2024 List of Exclusions
- 2024 Prescription Drug Program List of Standard Preventive Medications (HDHP/HDHP Basic only)
- Contact Express Scripts to ask questions
shopping tools on the benefitconnect website
During open enrollment, the BenefitConnect enrollment site provides will provide you with the option to enroll in one of three ways:
- Fast Lane If you’re satisfied with your current 2023 coverage and your plans continue to be available, or you only need to adjust one or two elections, this shopping choice is a great way to quickly review all your 2024 plan coverage defaults and make adjustments if needed.
- Shop on my own You'll walk through enrollment plan-by-plan, to make coverage decisions for each health and protect coverage option available. When you are on the medical and dental selection pages, look for the COMPARE PLANS checkbox (it's right above the Add to Cart button) to shop and compare medical and dental plan features in more detail.
- Get Recommendations This option is similar to the Shop on my own tool, but you'll first answer several questions about how you use your health benefits and your opinion of the health status of each participant. These questions are only used by the tool to provide plan recommendations; your answers are not provided to Chevron, and they don't affect your premium amount or any other aspect of the plans' coverage.
This communication provides only certain highlights about 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. Oral statements about plan benefits are not binding on Chevron or the applicable plan. 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. Unless required by applicable law, there are no vested rights with respect to any Chevron health and welfare plan benefit or to any company contributions towards the cost of such health and welfare plan benefits. Some benefit plans and policies described in this document may be subject to collective bargaining and, therefore, may not apply to union-represented employees.
plan documentation
contact
Here's where to get phone numbers and websites for all your benefits.
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