chevron COBRA coverage

All plans share several important features:

• Chevron shares the monthly premium cost with you
• Coverage for preventive care services
• Medical plans include access to medical, prescription drug, basic vision, and behavioral health services.
• Dental plans include coverage for diagnostic, basic restorative, major dental care and orthodontia.

The plans are different in three key areas:

• Provider choice
• Your out-of-pocket expenses
• Your options to save for health care

If you enroll in health benefits, you also may 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.

If you enroll dependents in health coverage, you will be required to follow our dependent verification process. This means you must submit certain documentation that verifies your dependents are eligible for coverage.

Plan ahead:

• Video: Who can I cover?
• Preview list of acceptable documentation
• Preview Affidavit for Domestic Partnership

These plans prioritize provider choice. With a PPO plan, you can visit any provider, network or out-of-network. You’ll save money when you use a network provider, but you still have the choice to go out-of-network for your care at any time. In exchange for this choice, these plans usually have higher deductibles (the amount you pay before your insurance starts covering costs).

Chevron Medical PPO Plan

Separate deductibles for medical and prescription drugs. Compatible with a health flexible spending account (Health FSA).

• Benefit Summary
• Basic Vision Summary (gray column)
• Prescription Drugs Formulary | Exclusions

High Deductible Health Plans

One deductible for all services, combined. Compatible with a health savings account (HSA).

• Chevron High Deductible Health Plan (HDHP)
• Chevron High Deductible Health Plan Basic (HDHP Basic)
• Basic Vision Summary (gray column)
• Prescription Drugs Formulary | Exclusions

Chevron Dental PPO Plan

• Benefit Summary

These plans prioritize how you spend health care dollars. HMO plans typically have lower deductibles and copayments which can lower your costs at the time of service. However, you must use a network provider for services to be covered (except for emergencies). You’ll choose a primary care provider who manages and coordinates your care needs, including referrals to specialists. The enrollment system will display the HMOs available to you (if any) based on your zip code.

Chevron Dental HMO Plan

• Benefit Summary

Chevron Medical HMO Plans
Deductible varies by plan. Compatible with a health flexible spending account (Health FSA).

• Kaiser Colorado
• Kaiser Northern California
• Kaiser Southern California
• Kaiser Northwest
• Kaiser WA
  

If you enroll in a Chevron medical plan, your coverage automatically includes basic vision service at no additional premium cost. The Chevron Vision Plus Program provides expanded coverage that goes beyond the basic vision included with medical. You must enroll to be covered; you’ll pay the full premium cost for coverage.

Benefit Summary

• Vision Plus Program (blue column)*

* The gray column applies to Basic Vision automatically included with the Medical PPO, HDHP, HDHP Basic medical plan choices.

• Video: PPO or HDHP – Which is right for you?
• Video: HDHP and HSA – A perfect match
• Video: Deductible and out-of-pocket maximum

You can still elect COBRA coverage if, at the time of your termination of employment, you and/or any of your eligible dependents are eligible for Medicare but not enrolled or are already enrolled in Medicare. 

• Chevron COBRA will assume Medicare is the primary payer of medical claims for post-65 participants. 
• Chevron COBRA coverage will automatically pay secondary, regardless of whether or not the participant is enrolled in Medicare.
• As the secondary payer, your Chevron COBRA plan will subtract the amount that Medicare Part A and Part B should pay toward your services before paying your medical claims. If you have not enrolled in Medicare, you could be responsible for a large portion of the cost for services (and in some cases, the total cost) that would have ordinarily been paid by Medicare.

You can decide to enroll in Chevron COBRA and then enroll in Chevron retiree health benefits when you, the retiree, experience a retiree enrollment milestone. Loss of Chevron COBRA Coverage is one of several Chevron retiree enrollment milestones available. Under this milestone:

• If you are a pre‑65 eligible retiree, you can only enroll at the end of your Chevron COBRA eligibility period (generally 18 months).
• If you are a post‑65 eligible retiree, you can enroll when Chevron COBRA ends for any reason, and at any time during your COBRA eligibility period.
• You can enroll eligible dependents if they are also enrolled as dependents under your COBRA coverage.
• You must call the Chevron HR Service Center to enroll within 31 days of the Loss of Chevron COBRA Coverage to enroll in Chevron retiree health benefits. If you intend to enroll in Chevron retiree health benefits when you lose Chevron COBRA, it's your responsibility to initiate enrollment; you will not receive a reminder.
• Read additional important details and instructions for this enrollment milestone here ›

Medicare Part A and Part B is required to enroll in Chevron post-65 retiree health coverage. If you and/or your dependents are Medicare-eligible but are unable to complete the Medicare enrollment process prior to your employment end date, you can enroll in Chevron COBRA coverage until the process is complete and use the Loss of Chevron COBRA Coverage enrollment milestone to enroll in Chevron retiree benefits.

• COBRA coverage ends when Medicare begins. You must report Medicare enrollment to BenefitConnect | COBRA within 31 days of when Medicare coverage begins.
• You must request COBRA coverage be cancelled for you, the retiree, for the milestone to apply.
• Finally, you must report the Loss of Chevron COBRA Coverage milestone to the Chevron HR Service Center within 31 days to start enrollment in Chevron retiree health benefits.