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

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  • Click View My Coverage for coverage as of January 1, 2024.
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health rewards

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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.

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.

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 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.

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)

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.

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.

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.

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: 

  • You Only $500
  • You + One adult $750
  • You + Child(ren) $750
  • You + Family $1,000 

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

mental health and substance
use disorder (MHSUD) plan

Plan changes

Plan tools and resources

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)

Dental HMO (DeltaCare USA)

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.

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.

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.

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.

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

supplemental life insurance

dependent life insurance

voluntary group accident insurance

business travel accident insurance

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

long term care insurance

group auto and home insurance

2024 health premiums

IMPORTANT: The premiums below are monthly. The BenefitConnect enrollment site displays per pay period premiums.

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

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.