eligible for pre-65 retiree benefitsleaving chevron

This page provides an overview of what happens to your Chevron benefits as a pre-65 employee, including your coverage choices, who you can cover and important deadlines. This information applies to you if you were eligible for health and welfare benefits while employed with Chevron, and assumes you are eligible for Chevron pre-65 retiree health benefits after you leave Chevron. It also assumes your dependent(s) meet the definition of an eligible dependent.

This information is a basic overview of benefit information to help you start to understand choices and think about your decisions. It’s not intended to be a complete summary. You should consult the applicable benefit plan summary plan description (SPD) for further information prior to making enrollment decisions.

what are my post-employment health coverage choices?

If you are a Chevron employee who is eligible for Chevron pre-65 retiree health benefits, you have three coverage options when you leave Chevron: 

  • Elect Chevron retiree health benefits when you leave Chevron.
  • Elect Chevron COBRA continuation coverage now. Return to Chevron retiree health benefits in the future, due to a subsequent enrollment milestone (if any).
  • Waive both COBRA coverage and Chevron retiree health benefits now. Return to Chevron retiree health benefits in the future, due to a subsequent enrollment milestone (if any). 

The decision is personal to you and your situation and is reliant upon a variety of factors. No one choice is right for everyone. As you consider your options, it's important that you learn about the enrollment, participation, and other coverage rules for Chevron retiree health benefits, Chevron COBRA coverage, and of course, the retiree benefit enrollment milestones. The overview information here will help you get you started, but you should also reference the Post-65 Retiree Health Benefits summary plan description to verify your decisions and review additional details or special situations that cannot be covered in this overview.

COBRA continuation coverage

COBRA continuation coverage allows eligible employees and their covered dependents to continue participation in company sponsored health care plans beyond the time when it would normally end, such as a termination of employment. When you leave Chevron, you have the choice to enroll in COBRA coverage, even though you are also eligible for Chevron retiree health benefits. We strongly recommend that, after learning about Chevron retiree health benefits and the enrollment milestones, you also review basic information how Chevron COBRA coverage works, who's eligible, what it costs, and the enrollment process. We've also provided some key considerations you'll want to review based on special situations, like leaving Chevron due to a qualifying severance, leaving Chevron as a post-65 employee, and more. Learn about COBRA coverage here.

Important: You cannot simultaneously participate in both COBRA and Chevron retiree health benefits. For example, you cannot choose COBRA coverage for dental coverage and pre-65 retiree medical coverage at the same time. In addition, there is no ability to split retiree and dependent coverage. For example, you cannot be enrolled in COBRA coverage while your dependent is enrolled in Chevron retiree health benefits, or vice versa.

pre-65 retiree health benefits

Chevron’s retiree health benefit choices depend on if you or your eligible dependents are pre-65 (under age 65) or are post-65 (age 65 or over). Chevron retiree health benefits for pre-65 eligible retirees and/or their pre‑65 eligible dependents include the following components:
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medical coverage

You can participate in generally the same group health choices offered to active Chevron employees, with only minor differences. Currently these medical plan choices include the Medical PPO Plan, the High Deductible Health Plan (HDHP), the High Deductible Health Plan Basic (HDHP Basic), and Medical HMO Plans (depending on your zip code). Your coverage continues to include automatic enrollment in the Prescription Drug Program (Express Scripts) and the Vision Program (VSP) for basic vision benefits.

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dental coverage

You can participate in generally the same group health choices offered to active Chevron employees, with only minor differences. Currently these dental plan choices include the Dental PPO Plan and the Dental HMO Plan (depending on your zip code). The dental surcharge and the dental cleaning requirement ends when your Chevron employment ends.

man with hand on other mans shoulder
mental health and substance use disorder

Participation in the Chevron Mental Health and Substance Use Disorder Plan (MHSUD) continues for participants enrolled in the Medical PPO Plan, the HDHP or the HDHP Basic and who are not eligible for Medicare. If you are enrolled in a Medical HMO Plan, participation in the MHSUD ends when you leave Chevron; mental health and substance use disorder coverage is provided by your Medical HMO.

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summary of benefits and coverage (SBC)

You can review the SBCs for the pre-65 retiree medical plans for a quick look at basic plan information as a retiree.

If you’re eligible, the company currently shares in the cost of your retiree medical and dental coverage

  • The amount of company contribution to retiree medical coverage is based on how many points you have when you leave the company and the point scale for which you are eligible.
  • Your points are the total of your age and your years of health and welfare eligibility service
  • Points do not change after you leave Chevron. 
  • You can preview your points on the BenefitConnect website. After you log in, go to I need to ... in the top navigation, then choose Retiree medical eligibility.
  • The company contribution is different for pre-65 and post-65 participants.
  • The company contribution toward retiree dental coverage is a fixed amount that does not vary according to your points.
  • Retiree health plans generally cost more than employee plans because retirees’ health expenses are higher. This means that your premiums may be higher, and you’ll still need to pay for retiree coverage, even if you receive the maximum starting company contribution of 100%. 

You can learn more about the company contribution and how it's determined in the Supplement: Company Contributions to Health Coverage.

For pre-65 retiree health benefits
Pre-65 plan choices and costs for the current calendar year can be accessed on the BenefitConnect website or by calling the HR Service Center. You can preview this information prior to leaving Chevron, if desired, just don't checkout or submit your retiree health and welfare election event at the end if you are not ready to finalize your choices. 
 
Note that the BenefitConnect website will only display costs for the current calendar year. If the effective date of your retiree health benefits will be in a new calendar year, you can use our instructions below to estimate costs for the new calendar year. Please be aware that costs for the next calendar year are usually determined and posted during the month of October in conjunction with open enrollment activities.

For post-65 retiree health benefits
You can contact Via Benefits and/or create and update your personal profile on the Via Benefits website

  • Via Benefits will be able to advise you of the cost and coverage levels for the individual medical, prescription drug, dental and vision plans available in your area. 
  • Via Benefits can also provide information about how your coverage choices might be affected should you decide to participate in COBRA coverage upon retirement. 
  • However, Via Benefits will not have your monthly company contribution amount to the Retiree HRA Plan until after you leave Chevron.

Health benefits 
If both you and your eligible spouse or domestic partner are an eligible, active employee or an eligible retiree you may have options regarding your health coverage enrollment:

  • Each of you can enroll for your own separate Chevron health coverage as an individual. 
  • One of you can cover the other as a dependent.
  • If one person is still a Chevron active employee, you have the option to continue to cover the Chevron retiree as a dependent on the Chevron active employee group health coverage, regardless of age.
  • Only one of you can enroll any eligible children for coverage.

Retiree HRA Plan
If you and your spouse are both post-65 Chevron eligible retirees, each separate Retiree HRA Plan account will be based on whether you were listed as a dependent or the primary retiree when you enroll with Via Benefits.

  • If you were listed as a dependent, you will receive the same company contribution amount to your Retiree HRA Plan account as the primary retiree. 
  • If you were not listed as a dependent - for example, you have Chevron coverage separate from your spouse - you will receive the company contribution you are eligible for as an eligible retiree to your Retiree HRA Plan account. 

Pre-65 coverage
If you or a dependent are pre-65 and reside outside of the U.S., you can enroll in the Medical PPO, HDHP or HDHP Basic. Out-of-network coverage rules will apply; call the claims administrator for more information about how your coverage works outside of the U.S. Eligibility and coverage for these plans ends when the participants turns age 65, even if you're already residing outside the U.S. 
 
Post-65 coverage
If you or a dependent are post-65 and reside outside of the U.S.:

  • You generally cannot receive Medicare benefits.
  • Via Benefits does not offer health coverage options outside the U.S.
  • To enroll in post-65 health coverage through Via Benefits and the Retiree HRA Plan, you must have a permanent U.S. address. 

For these reasons, if you reside outside the U.S., you are not eligible to enroll in Chevron retiree health benefits.
 
If you are post-65 and a U.S. citizen living in a U.S. territory (such as Puerto Rico), please review the Post-65 Retiree Health Benefits summary plan description for further information.
 
If you move back to the United States in the future, it is your responsibility to contact the HR Service Center to update your address within 31 days of your move. You should also take action to enroll in Medicare Part A and Medicare Part B, if you have not already done so. Returning to the U.S. is not an enrollment milestone, however you are eligible for Chevron retiree health coverage if you timely enroll during a subsequent enrollment milestone (if any). 

covering your dependents

To cover your dependent(s) in Chevron retiree health benefits you and your dependents must meet all the eligibility and participation requirements, which include (but are not limited to) the following:

  • Your dependent meets the definition of an eligible spouse, domestic partner or child for Chevron health plans.
  • You timely enroll your eligible dependent in retiree health coverage according to the requirements of the applicable enrollment milestone.
  • If you enroll a new dependent, you satisfy the requirements of the dependent verification process, when applicable.
  • Your dependent’s participation is tied to your participation. This means that you, the pre-65 retiree:
    • Must be enrolled in Chevron pre-65 group health coverage (medical only, dental only or both medical and dental) for your pre-65 dependents to also be eligible for Chevron pre-65 retiree health benefits.
    • Must be enrolled in at least Chevron group medical coverage for your post-65 dependents to be eligible for Chevron post-65 retiree health benefits (which includes the Retiree HRA Plan).
  • If you stop participating in applicable Chevron retiree health benefits, your dependents' coverage will also automatically end.
  • As a reminder, you cannot mix and match Chevron COBRA coverage and Chevron retiree health benefits. In other words, all eligible participants must be enrolled in either Chevron COBRA coverage or Chevron retiree health benefits, but not both.

The age of your eligible dependent will dictate the retiree health benefits in which they can participate, if eligibility requirements are met:

  • Pre-65 eligible dependents can participate in Chevron’s pre-65 retiree group health plans (described on this page).
  • Post-65 eligible dependents can participate in Chevron's post-65 health benefits which include individual health coverage in the private health exchange and the Retiree HRA Plan. Enrollment in Medicare Part A and Medicare Part B is required to participate in post-65 retiree health benefits.

If there are both post-65 and pre-65 eligible participants in your family, pre-65 participants will participate in Chevron group health coverage and post-65 participants will participate in individual health coverage through Via Benefits and the Retiree HRA Plan.

Your opportunities to add dependents to Chevron retiree health coverage are limited

  • Be sure to review each applicable enrollment milestone carefully to ensure you understand the unique dependent enrollment rules of each before you make an enrollment decision.
  • It's important to understand the enrollment milestones follow the retiree, not the dependent. For example, you cannot add a dependent to Chevron retiree health benefits if the dependent, not currently enrolled in Chevron retiree health benefits, turns age 65. The milestones, including Turning Age 65 is only triggered when the milestone happens to you, the retiree.

As a pre-65 retiree enrolled in Chevron pre-65 group health coverage, you may re-enroll pre-65 dependents to Chevron pre-65 group health coverage during Chevron’s open enrollment period or within 31 days of a qualifying life event as long as the dependent continues to meet eligibility requirements and both you and your dependent are under age 65. You cannot re-enroll post-65 dependents during open enrollment; you must wait until the next applicable enrollment milestone, if any, to re-enroll a post-65 dependent.
 
Be aware that when you become a post-65 retiree, you can continue to cover eligible dependents that are already currently enrolled in Chevron retiree health benefits. However be aware that if you decide to discontinue Chevron retiree health benefits for your enrolled dependents', you will not be able to re-enroll a dependent previously dropped from coverage, regardless of their age.

enrollment milestones

All benefits-eligible retirees must enroll in Chevron retiree health benefits upon reaching certain enrollment milestones. If you miss these select opportunities to enroll, you and your eligible dependents must wait until the next applicable enrollment milestone, if any, to return to Chevron retiree health benefits in the future.

The basic enrollment milestones are as follows:

  • When you retire from Chevron.
  • At the loss of Chevron COBRA coverage (including Chevron subsidized COBRA).
  • When you lose Chevron or other employer group health coverage. 
  • When you turn age 65 and become Medicare eligible.

Please note that open enrollment is not an enrollment milestone. This means if you, the retiree, are not currently participating in the health benefits offered to Chevron eligible retirees, you cannot enroll for coverage during open enrollment. You must wait until you meet the next applicable enrollment milestone – if any – to start participating in Chevron retiree health benefits. 

You must also enroll your eligible dependents to Chevron retiree health benefits according to the rules described for each of the enrollment milestones. If you don’t add eligible dependents when you enroll at these milestones, your ability to add dependents at a later date depends on your age and the age of your dependent. In addition, it’s always your choice to drop eligible dependents from health benefits offered to Chevron retirees, but your ability to add your eligible dependents to retiree health benefits again at a later date also depends on your age and the age of your dependent.

To assist with your decision-making process, here's an overview of the enrollment milestones that would most likely apply to you as an eligible pre-65 employee who is eligible for Chevron retiree health benefits when you leave Chevron. This overview also assumes your dependents meet all the eligibility requirements. The information provided here is intended to help you get started understanding the enrollment milestones that apply to you. You should also read the full enrollment milestone descriptions prior to making final enrollment decisions to ensure you understand the complete rules and requirements. Choose from one of the scenario tabs above to get started.

Leaving or your retirement from Chevron is an enrollment milestone for retiree health benefits.

Milestone highlights and considerations

  • If you choose to enroll in retiree health coverage, you cannot also enroll in COBRA coverage, including subsidized COBRA, at the same time.
  • If you choose to enroll in retiree health coverage, your dependents must also be enrolled in retiree health coverage. You cannot split enrollment between COBRA and retiree health coverage.
  • If you enroll in Chevron pre-65 eligible retiree medical coverage in the same medical plan you're enrolled in as an employee, any amount you’ve already paid toward your annual deductible for the plan year will carry over to your pre-65 retiree plan.

Dependent enrollment requirements at this milestone

  • You can add eligible pre-65 and/or post-65 dependents to Chevron retiree health benefits at this milestone.
  • You can add eligible dependents even if they are not currently covered under your Chevron employee health plans. You may be required to complete the dependent verification process if you enroll new dependent(s).
  • If you will enroll pre-65 dependents, you must be enrolled in Chevron pre-65 group health coverage (medical only, dental only or both medical and dental) for your pre-65 dependents to also be eligible for Chevron pre-65 retiree health benefits.
  • If you will enroll post-65 dependent(s), you must be enrolled in at least Chevron group medical coverage for your post-65 dependents to be eligible for Chevron post-65 retiree health benefits (which includes the Retiree HRA Plan). 

Enrollment highlights

More detailed enrollment instructions are provided here, but keep the following in mind:

  • If you (and any eligible dependents) are already enrolled in medical and dental coverage as an employee, this coverage will automatically continue for eligible pre-65 retiree health coverage participants. However, we strongly encourage you to review your coverage and make any necessary changes during this enrollment milestone. This is one of the few milestones that allows you to make changes that will otherwise be limited or restricted in the future, so you don't want to miss this opportunity.
  • If you aren't currently participating in employee health benefits, or you need to make a change, you must make pre-65 retiree health benefit elections within 31 days of your termination date; you can also pre-enroll for pre-65 health benefits before you leave Chevron.
  • If you plan to participate in COBRA coverage, you must make an election with the HR Service Center or on the BenefitConnect website to cancel/decline your pre-65 retiree coverage within 31 days of when your employment ends. 
  • If you will cover post-65 dependents, this is one of the few enrollment milestones that allows you to enroll a post-65 dependent in retiree health coverage; the opportunities to add a post-65 dependent to coverage in the future is very limited. Remember that you typically need to start enrollment in Medicare Part A and Medicare Part B at least four months in advance of your termination date. If your dependent(s) aren’t enrolled in Medicare Part A and Part B or don’t have the information, Via Benefits cannot complete their enrollment. Please review the complete post-65 enrollment instructions for further information. 

What if I die?

Under current plan rules, Chevron generally provides access to survivor health benefits for your eligible dependent(s) if, on the date of your death: 

  • You’re enrolled in Chevron retiree health benefits and your dependents are also enrolled in Chevron retiree health benefits. Your surviving dependents have within 60 days of the date of your death to report the event to the HR Service Center to be eligible to participate in Chevron survivor health benefits.
  • If your dependents are not enrolled in Chevron retiree health benefits on the date of your death, they lose all eligibility for Chevron survivor health benefits.
  • If your dependents do not timely enroll in Chevron survivor health benefits, they lose all eligibility for this coverage.

Key decision questions to ask yourself

  • Are any post-65 dependents already enrolled in Medicare or will they be enrolled by the date you leave Chevron?
  • If a dependent is not already enrolled in Medicare, is there enough time to complete the approximately four-month process before the date you leave Chevron?
  • If there's not enough time to complete Medicare enrollment, is there another enrollment milestone available to you - such as loss of Chevron COBRA coverage - that you can use to add your post-65 dependent to retiree coverage?

The loss of Chevron COBRA coverage, including subsidized COBRA coverage, is an enrollment milestone for retiree health benefits.

Milestone highlights and considerations

  • As a pre‑65 eligible retiree, you can enroll at the end of Chevron subsidized COBRA or at the end of your Chevron COBRA eligibility period (generally 18 months). 
  • If you choose to enroll in COBRA coverage, you cannot also enroll in retiree health coverage, including subsidized COBRA, at the same time.
  • If you choose to enroll in COBRA coverage, your dependents must also be enrolled in COBRA coverage (if eligible). You cannot split enrollment between COBRA and retiree health coverage.
  • If you enroll in Chevron pre-65 eligible retiree medical coverage in the same medical plan you're enrolled for COBRA, any amount you’ve already paid toward your annual deductible for the plan year will carry over to your pre-65 retiree plan, when you enroll.
  • Keep in mind, if any enrolled COBRA participants turn age 65 during the COBRA coverage period, COBRA coverage (including subsidized COBRA coverage) will end at age 65 for that participant. See the COBRA section for important considerations regarding this situation as this may affect your enrollment milestone decisions.

If you choose to waive pre-65 retiree coverage and enroll in COBRA coverage ...
If you (and any eligible dependents) are already enrolled in medical and dental coverage as an employee, this coverage will automatically continue for eligible pre-65 retiree health coverage participants. If you plan to waive retiree health coverage and instead participate in COBRA coverage, you must make an election with the HR Service Center or on the BenefitConnect website to cancel/decline your pre-65 retiree coverage within 31 days of when your employment ends. 

Participants who are age 65 at the time of COBRA enrollment ...
If a participant is already age 65 at the time of COBRA enrollment, the participant is permitted to enroll in COBRA coverage for the full eligibility period. However, if an enrolled COBRA participant is eligible for Medicare, Medicare will be the primary payer of your medical claims*. Your Chevron medical COBRA coverage will be secondary. As the secondary payer, your Chevron medical plan will subtract the amount that Medicare Part A and Part B should pay toward your services before paying your medical claims. Your claims are paid in this manner even if you choose to not enroll in Medicare while you're enrolled in COBRA coverage. 

* Your Chevron medical COBRA coverage pays primary in the event you have Medicare due to End-Stage Renal Disease (ESRD). 

Dependent enrollment requirements at this milestone

  • You can add eligible pre-65 and/or post-65 dependents to Chevron retiree health benefits at this milestone; however your dependents must also be covered under Chevron COBRA coverage to be eligible. As a reminder, post-65 dependents must be enrolled in Medicare Part A and Part B to enroll in individual health coverage through Via Benefits and to activate the Retiree HRA Plan.
  • If you will enroll pre-65 dependents, you must be enrolled in Chevron pre-65 group health coverage (medical only, dental only or both medical and dental) for your pre-65 dependents to also be eligible for Chevron pre-65 retiree health benefits.
  • If you will enroll post-65 dependent(s), you must be enrolled in at least Chevron group medical coverage for your post-65 dependents to be eligible for Chevron post-65 retiree health benefits (which includes the Retiree HRA Plan).
  • Will an enrolled dependent turn age 65 during your COBRA period? Be aware that COBRA coverage will end at age 65 for your dependent, so you'll need to plan ahead. See the COBRA section for important considerations regarding this situation as this may affect your enrollment milestone decisions.

Enrollment highlights
More detailed enrollment instructions are provided here, but keep the following in mind:

  • You must enroll yourself and any eligible dependents in retiree health benefits within 31 days of the loss of Chevron COBRA coverage (or the end of subsidized COBRA coverage) by contacting the HR Service Center. (This event cannot be initiated online).
  • Coverage is not automatic. If you encounter this enrollment milestone, you must act to enroll yourself and any eligible dependents in retiree health coverage, if desired. You will not be notified or reminded when an enrollment milestone occurs.
  • If you are eligible to cover post-65 dependents, this is one of the few enrollment milestones that allows you to enroll a post-65 dependent in retiree health coverage; the opportunities to add a post-65 dependent to coverage in the future is very limited. Remember that you typically need to start enrollment in Medicare Part A and Medicare Part B at least four months in advance of your termination date. If your dependent(s) aren’t enrolled in Medicare Part A and Part B or don’t have the information, Via Benefits cannot complete their enrollment. Please review the complete post-65 enrollment instructions for further information. 

What if I die?
Under current plan rules, Chevron generally provides access to survivor health benefits for your eligible dependent(s) if, on the date of your death: 

  • You’re enrolled in Chevron COBRA or Chevron subsidized COBRA and your dependents are also enrolled in this same coverage. Your surviving dependents have within 60 days of the date of your death to report the event to the HR Service Center to be eligible to participate in Chevron survivor health benefits. Learn more about this situation in the COBRA section.

Key decision questions to ask yourself

  • Are you enrolled in Chevron medical, dental and other health plans as an employee? If not, you will not be eligible for Chevron COBRA coverage and this milestone will not be available to you.
  • Are your dependent(s) currently enrolled in Chevron medical, dental and other health plans? If not, they cannot be enrolled in Chevron COBRA coverage and therefore would not be eligible to enroll in Chevron retiree health benefits for this milestone.
  • Will you turn age 65 during your COBRA period? Be aware that COBRA coverage (including subsidized COBRA coverage) will end at age 65 for you, so you'll need to plan ahead at least four months in advance of turning age 65. Turning age 65 is an enrollment milestone for you to enroll yourself and your eligible dependents in Chevron retiree health benefits. See the COBRA section for more about this special situation and review the Turning Age 65 enrollment milestone above for more information.
  • Will an enrolled dependent turn age 65 during your COBRA period? Be aware that COBRA coverage will end at age 65 for your dependent, so you'll need to plan ahead. See the COBRA section for more about this special situation.

Turning age 65 and becoming Medicare-eligible is an enrollment milestone for retiree health benefits.

Milestone highlights and considerations

  • When you — the Chevron eligible retiree — turn age 65, you may enroll yourself and eligible dependents in Chevron retiree health benefits at that time.
  • As a reminder, the enrollment milestones, including turning age 65, follow the retiree and not the dependent. For example, if you are not currently participating in Chevron retiree coverage and your eligible dependent turns age 65, this is not an enrollment milestone; you will not be able to enroll in Chevron retiree benefits simply because your dependent turns age 65. 
  • As a reminder, you and any post-65 dependents must be enrolled in Medicare Part A and Part B to enroll in individual health coverage through Via Benefits and to activate the Retiree HRA Plan.
  • You’ll start coverage in a new plan, so you will have to start over and meet a new deductible (if applicable) under your new plan. 

Dependent enrollment requirements at this milestone

  • When you enroll yourself, you can add eligible pre-65 and/or post-65 dependents to Chevron retiree health benefits at this milestone.
  • If you are already enrolled in Chevron pre-65 retiree coverage, you can still add eligible pre-65 and/or post-65 dependents to Chevron retiree health benefits at this milestone. This is one of the few milestones left  that allow you to make dependent changes that will otherwise be very limited or restricted in the future. If you need to add an eligible dependent to coverage, this is an important milestone to prepare for. 
  • You must be enrolled in at least medical coverage through the Via Benefits private health exchange for Chevron for your dependents to be eligible to enroll in Chevron retiree health benefits.

Enrollment highlights
More detailed enrollment instructions are provided here, but keep the following in mind:

  • You must contact the HR Service Center to add eligible pre-65 dependents to Chevron retiree coverage within 31 days of when you turn age 65. (This event cannot be initiated online).
  • Remember that you and any post-65 dependents typically need to start enrollment in Medicare Part A and Medicare Part B at least four months in advance of turning age 65. If post-65 participants aren’t enrolled in Medicare Part A and Part B or don’t have the information, Via Benefits cannot complete enrollment. Please review the complete post-65 enrollment instructions for further information. 
  • As a reminder, post-65 participants must enroll in at least medical coverage through Via benefits to participate in the Retiree HRA Plan. 
  • If you are currently enrolled in Chevron pre-65 retiree coverage, you'll receive enrollment information and instructions from the HR Service Center and Via Benefits in advance of turning age 65. Enrollment in post-65 coverage is not automatic, even if you are already enrolled in pre-65 retiree benefits. Your action is required to enroll.
  • If you are currently waiving Chevron retiree coverage at the time you turn age 65, you must act to enroll yourself and any eligible dependents in retiree health coverage at this milestone, if desired. Coverage is not automatic. You will not be notified or reminded when an enrollment milestone occurs.

If you choose to waive Chevron retiree coverage to enroll in Chevron COBRA coverage ...
If a COBRA participant turns age 65 during their COBRA period, COBRA coverage ends. In addition, the turning age 65 enrollment milestone applies to the retiree and not the dependent. Your dependent turning age 65 is not an enrollment milestone that allows you to start Chevron retiree coverage. Why does this matter? If an enrolled dependent turns age 65 during your COBRA period, COBRA coverage will end at age 65 for your dependent. Depending on your age, you may need to plan ahead to ensure your dependent has coverage after COBRA ends. See the COBRA section for more considerations about this special situation.

If you choose to waive pre-65 retiree coverage and intent to enroll later when you turn age 65 ...
If you (and any eligible dependents) are already enrolled in medical and dental coverage as an employee when you leave Chevron, this coverage will automatically continue for eligible pre-65 retiree health coverage participants. If you plan to waive retiree health coverage when you leave Chevron and instead enroll during the turning age 65 milestone, you must make an election with the HR Service Center or on the BenefitConnect website to cancel/decline your pre-65 retiree coverage within 31 days of when your employment ends. 

What if I die?
Under current plan rules, Chevron generally provides access to survivor health benefits for your eligible dependent(s) if, on the date of your death: 

  • You’re enrolled in Chevron retiree health benefits and your dependents are also enrolled in Chevron retiree health benefits. Your surviving dependents have within 60 days of the date of your death to report the event to the HR Service Center to be eligible to participate in Chevron survivor health benefits.
  • If your dependents are not enrolled in Chevron retiree health benefits on the date of your death, they lose all eligibility for Chevron survivor health benefits.
  • If your dependents do not timely enroll in Chevron survivor health benefits, they lose all eligibility for this coverage.

Key decision questions to ask yourself

  • As a reminder, as a post-65 retiree, if you chose to not enroll eligible dependents at this enrollment milestone, you must wait until the next enrollment milestone - if any - to add dependents to your coverage. This also means you can no longer add new dependents - of any age - during open enrollment. 
  • Remember, the milestones follow the retiree, not your dependent. Be sure to review all the enrollment milestones carefully prior to making a decision to decline coverage for your eligible dependents during this milestone event.

The loss of Chevron or other employer group health plan coverage is an enrollment milestone for retiree health benefits.

What's an employer group health plan?
An employer group health plan is defined as an employee health benefit plan established or maintained by an employer or by an employee organization (such as a union), or both, that provides medical care for participants or their dependents directly or through insurance, reimbursement, or otherwise. Retiree health insurance and COBRA continuation coverage from a former employer or union, are not considered coverage based on current employment and therefore do not qualify as an employer group health plan for purposes of Chevron’s retiree health benefits and the enrollment milestones.

Milestone highlights and considerations

  • This milestone occurs when you — the Chevron eligible retiree — are covered (whether as a primary or as a dependent) under Chevron or another employer’s group health coverage and you lose that coverage — regardless of your age.
  • You will be asked to provide proof of loss of employer group health coverage for you and any eligible dependents. 
  • You and any post-65 dependents must be enrolled in Medicare Part A and Part B to enroll in individual health coverage through Via Benefits and to activate the Retiree HRA Plan.
  • You’ll start coverage in a new plan, so you will have to start over and meet a new deductible (if applicable) under your new plan. 

Dependent enrollment requirements at this milestone

  • You can add eligible pre-65 and/or post-65 dependents to Chevron retiree health benefits at this milestone as long as they are also losing the same employer group health coverage.
  • If you are a pre-65 retiree enrolling at this milestone:
    • You must be enrolled in Chevron pre-65 group health coverage (medical only, dental only or both medical and dental) for your pre-65 dependents to also be eligible for Chevron pre-65 retiree health benefits.
    • You must be enrolled in at least Chevron group medical coverage for your post-65 dependents to be eligible for Chevron post-65 retiree health benefits (which includes the Retiree HRA Plan).
  • If you are a post-65 retiree enrolling at this milestone:
    • You must be enrolled in at least medical coverage through the Via Benefits private health exchange for Chevron for your dependents to be eligible to enroll in Chevron retiree health benefits.

Medicare Special Enrollment Period (SEP)
The loss of Chevron or other employer group health plan must be a qualifying event that triggers a Medicare Special Enrollment Period (SEP). A SEP must be triggered in order for you to enroll in Chevron post-65 retiree health coverage. Contact Medicare directly or go to www.medicare.gov to learn more about Medicare SEPs and the kinds of qualifying events that trigger a Medicare SEP.

If you choose to waive pre-65 retiree coverage to enroll in other employer group health coverage ...
If you (and any eligible dependents) are already enrolled in medical and dental coverage as an employee when you leave Chevron, this coverage will automatically continue for eligible pre-65 retiree health coverage participants. If you plan to waive retiree health coverage when you leave Chevron and instead participate in another employer's group health coverage, you must make an election with the HR Service Center or on the BenefitConnect website to cancel/decline your pre-65 retiree coverage within 31 days of when your employment ends. 

Enrollment highlights
More detailed enrollment instructions are provided here, but keep the following in mind:

  • Pre-65 participants must enroll in Chevron retiree health coverage within 31 days of the loss of other employer group health coverage by contacting the HR Service Center. (This event cannot be initiated online).
  • Post-65 participants typically need to start enrollment in Medicare Part A and Medicare Part B at least four months in advance of the loss of other employer group health coverage. If post-65 participants aren’t enrolled in Medicare Part A and Part B or don’t have the information, Via Benefits cannot complete enrollment in Chevron post-65 retiree benefits. Please review the complete post-65 enrollment instructions for further information.
  • Coverage is not automatic. If you encounter this enrollment milestone, you must act to enroll yourself and any eligible dependents in retiree health coverage, if desired. You will not be notified or reminded when an enrollment milestone occurs.

What if I die?
Under current plan rules, Chevron generally provides access to survivor health benefits for your eligible dependent(s) if, on the date of your death: 

  • You’re enrolled under another employer’s group health plan and your dependents are also enrolled in this same coverage. Your surviving dependents have within 31 days of the date of your death to report the event to the HR Service Center to be eligible to participate in Chevron survivor health benefits.
  • COBRA or retiree health insurance from a former employer or union is not considered an employer group health plan
  • If your dependents are not enrolled the same employer group health coverage as you on the date of your death, they lose all eligibility for Chevron survivor health benefits.
  • If your dependents do not timely enroll in Chevron survivor health benefits, they lose all eligibility for this coverage.

Key decision questions to ask yourself

  • Is your other health coverage a retiree health plan or COBRA coverage through a former employer or your spouse's employer? If so, these are not considered employer group health coverage and this milestone will not be available to you.
  • Are your dependent(s) enrolled in the other employer group health coverage? If not, they cannot enroll in Chevron retiree health benefits during this milestone.
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start your benefits

Are you ready to initiate your post-employment benefits? Get started here.

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get benefit numbers

Here's how to preview personalized benefit estimates (pension, retiree medical, severance, etc) and information you'll want to refer to during the decision-making process.

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manage personal info

There are some important tasks you'll want to complete right away, before you lose access to the Chevron intranet network and your Chevron email. Get started here.

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leaving chevron late in the year?

If you're leaving Chevron October through December, here are open enrollment, health benefit elections and other considerations you should know as you are planning your post-employment benefit decisions:

contacts

via benefits

COBRA continuation coverage

  • Plan Type  Continuation coverage for health plans
  • Eligibility  U.S. Payroll Employees
  • Enrollment  Call BenefitConnect|COBRA or access their website
  • Claims Administrator  BenefitConnect|COBRA 
  • Phone (Inside U.S.) 1-877-292-6272 
  • Phone (Outside U.S.) 1-858-314-5108
  • Website  https://cobra.ehr.com
  • Claim Form  BenefitConnect|COBRA only manages eligibility, enrollment and monthly premium payments for COBRA coverage. If you need help with a claim for health services or questions about what the health plan covers or does not cover, contact your health plan claims administrator directly.
  • Address  BenefitConnect COBRA | Dept:COBRA | PO Box 981915 | El Paso, TX 79998

employee investment savings plan (ESIP)

  • Plan Type  Defined contribution 401(k) plan
  • Eligibility  U.S. Payroll Employees
  • Enrollment  Enroll with Fidelity
  • Recordkeeper  Fidelity
  • Phone Call the HR Service Center, choose Manage Benefits, then ESIP from the menu
  • Website  Fidelity NetBenefits
  • Mobile App   Fidelity NetBenefits from Apple App Store or Google Play
  • Beneficiary Designations   Get started here

chevron retirement plan (CRP)

This contact information applies to the CRP for eligible employees hired both before and after January 1, 2008. 

  • Plan Type  Defined benefit (pension) plan
  • Eligibility  U.S. Payroll Employees
  • Enrollment  Coverage automatic, if eligible. View coverage on BenefitConnect or call the HR Service Center
  • Administrator  The HR Service Center administers this plan
  • Phone Call the HR Service Center, choose Manage Benefits, then Pension Benefits from the menu
  • Website  BenefitConnect (Estimates, benefit modeling, to start receiving your benefit)
  • Mobile App   N/A
  • Beneficiary Designations   Get started here
  • Email  Submit a secure message from the Message Center on BenefitConnect
  • Address  Use the pension mailing address for the HR Service Center 

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. Oral statements about plan benefits are not binding on Chevron or the applicable plan. 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.