open enrollment is here 2018 benefit changes

Transcription

1 your health open enrollment is here 2018 benefit changes

2 what s inside? 04 Do I need to enroll? 06 How to enroll benefit changes 34 Optional benefits still available don t miss these 2018 highlights 20 Act by October 27 to pay a reduced monthly medical premium in Get your dental cleaning to avoid the dental surcharge in Chevron to contribute to a health savings account (HSA) in Applied behavior analysis (ABA) coverage available in Hearing aid coverage available for adults in Your preventive medications could be covered at 100 percent. U.S. Pay and Benefit News 2

3 it s time to think about your health benefits for 2018 Open enrollment is your annual opportunity to review your benefit options for the coming year. During open enrollment, you can decide to keep the coverage you currently have or make changes, such as switching to another medical plan option, adding a dependent to your coverage, or start participating in other optional benefit plans like Vision Plus, Group Hospital Indemnity Insurance, or Group Critical Illness Insurance. This newsletter describes how to review and update your coverage during open enrollment, if desired. It also describes changes to your benefits in 2018, including new programs and tools available to you. chevron open enrollment is october 16 through october 27, 2017 You can make open enrollment choices for 2018 health benefits on the Benefits Connection website or by calling the HR Service Center. (See Page 6.) online hr2.chevron.com/openenrollment This newsletter only highlights the changes for Go online to learn more about the plans and resources discussed in this newsletter starting October 9. attend a webinar Attend an online webinar to understand how medical plans work and how that applies to your Chevron medical plan choices. You ll also learn about useful tools and resources that can help you save money and make smart health care decisions for you and for your family during the upcoming open enrollment period. See the schedule at hr2.chevron.com/openenrollment. plan documents Summary of Benefits and Coverage (SBCs) provide summary information about your health plans, such as benefits, copayments, deductibles, coinsurance and plan contact information. SBCs can help you understand the key differences among the options available to you. Summary Plan Descriptions (SPDs) provide specific details about your Chevron benefits, such as such as eligibility, what the plan covers and what it doesn t cover. These documents are posted online at hr2.chevron.com or you can request that a copy be mailed to you by calling the HR Service Center at find a network provider Using a network provider saves you money. Go to hr2.chevron.com/openenrollment to access links that make it easier to research your provider options for your plans. October

4 do I need to enroll? if any of these situations apply to you, don t miss open enrollment If you miss the open enrollment deadline, you generally can t make any changes until the next open enrollment period in the fall of 2018 for 2019 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 make to your benefits coverage during open enrollment, October 16 through October 27, 2017, become effective January 1, you need to start, stop or change coverage for these plans Changes to the plans listed below are limited to once per year, during open enrollment, unless you have a qualifying life event during the year. This means if you want to discontinue or change your current coverage including moving to a new plan you must act during open enrollment. And if you aren t currently participating and want to start in 2018, you must also act during open enrollment. If you re already enrolled in the plans below and don t want to make any changes, coverage automatically continues at the 2018 premium rates. Medical coverage Dental coverage Vision Plus program Group Critical Illness Insurance Group Hospital Indemnity Insurance Voluntary Group Accident Insurance (before-tax basis) you need to add, drop or otherwise update dependent coverage If you need to add or drop a dependent from medical, dental or other health coverage for 2018, you must make an election during open enrollment. Important: Be sure to verify your dependent s information during open enrollment. The Patient Protection and Affordable Care Act requires companies like Chevron to annually report Social Security numbers (SSNs) for all dependents enrolled in one of Chevron s health plans. You must report all life events and make applicable benefit elections within 31 days of the event, even if you do not yet have your dependent s SSN at the time of enrollment. If a dependent does not have an SSN at the time of enrollment, call the HR Service Center for more information. Review the dependents listed on Benefits Connection and be sure the full name and SSN is listed for each of your dependents. You can update your dependent s information directly from the Benefits Connection website. Read this newsletter and go to hr2.chevron.com/openenrollment to learn more about the benefits discussed here, including 2018 benefit changes, eligibility information, and other plan information. U.S. Pay and Benefit News 4

5 you want reduced medical premiums next year If you qualify for the Wellness Credit by the October 27, 2017 deadline, you can save up to $750 annually on your Chevron medical coverage premium from January 1, 2018 through December 31, 2018, as long as you remain eligible. The medical plan choice you make during open enrollment will be used to calculate your premium reduction amount for the Wellness Credit Period. Learn more on Page 20. The Wellness Credit premium reduction can be applied to any of the Chevron-sponsored medical plans below: Medical PPO Plan Medical HMO Plans High Deductible Health Plan (HDHP) High Deductible Health Plan Basic (HDHP Basic) you want chevron to contribute to your benefitwallet HSA Chevron will once again contribute to the BenefitWallet health savings account (HSA) in The 2018 company contribution to your account is based on the coverage level you choose during open enrollment. If you aren t already participating and want to start in 2018, you must act during open enrollment to receive the company contribution. See Page 23 to learn more about the HSA and the Chevron contribution opportunity. you want to participate in a flexible spending account next year If you re currently enrolled in one of Chevron s flexible spending account plans, your coverage will not carry over to You must re-enroll in these plans during open enrollment if you want to participate in Learn more on Page 24 and 34. Health Care Spending Account (HCSA) Dependent Day Care Spending Account (DCSA) Tobacco free activities are now included among the qualifying activities available to earn points toward the Wellness Credit; therefore, you are no longer required to certify your tobacco use status during open enrollment. October

6 how to enroll october 16 through october 27, 2017 online benefits connection website hr2.chevron.com/openenrollment The Benefits Connection website will be open for you to make open enrollment elections until midnight Pacific time on October 27. This website is available even if you don t have access to a Chevron computer. You can log in to the Benefits Connection enrollment site from any computer or mobile device with an Internet connection. by phone HR service center * Representatives Available Monday through Friday 6 a.m. to 5 p.m. Pacific time 8 a.m. to 7 p.m. Central time Representatives Available October 18 and October 25 4 a.m. to 6 p.m. Pacific time 6 a.m. to 8 p.m. Central time Customer Service Representatives can take your open enrollment elections by phone until 5 p.m., Pacific time (7 p.m., Central time) on October 27. For quicker service, avoid peak call hours. Peak hours are all day Monday and 9 a.m. to 10 a.m. Pacific time (11 a.m. to noon Central time) on other weekdays. * Starting October 3, will now accept calls from anywhere in the world. If you are outside of the U.S., please do not call after October 3, as that number will be disconnected. When calling from outside the U.S., you ll first need to dial the international access code. you ll need your PIN to make open enrollment elections You ll need your personal identification number (PIN) to enroll or make changes to your benefits. If you access the enrollment website from the Chevron network, you can use the automatic sign-in feature and you don t need a PIN. But if you plan to make open enrollment elections from outside the Chevron network or by phone, you ll need your PIN. If you don t know your PIN, or can t find it, you can request a new one online or by calling the HR Service Center. It can take up to two weeks to receive your PIN in the mail, so act right away if you need it. Test your PIN or request a new one today by going to hr2.chevron.com/openenrollment. Remember, if you ll be traveling during open enrollment take your PIN and these enrollment instructions with you. U.S. Pay and Benefit News 6

7 2018 chevron benefit changes This section includes information about changes to your Chevron benefits that take effect on January 1, Certain sections of this newsletter (Page 8-33) serve as an official summary of material modification (SMM) to the summary plan description (SPD) book(s) for the plans referenced herein. Please keep this information with your other plan documents for future reference. This SMM provides only certain information about changes of benefit provisions. It is not intended to be a complete explanation. If there are any discrepancies between this SMM 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. Women s health and cancer rights notice To comply with the Women s Health and Cancer Rights Act of 1998, Chevron reminds you that all medical plans the company offers cover medically necessary mastectomy and related breast reconstructive surgery, including reconstruction of the breast on which the mastectomy is performed; surgery and reconstruction of the other breast to produce a symmetrical appearance; prostheses; and treatment remedies for physical complications during all stages of the mastectomy, including lymphedema. October

8 medical PPO plan 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) and prescription drug coverage with Express Scripts. You re also automatically enrolled in the Vision Program for basic vision coverage with VSP, and the Mental Health and Substance Abuse Plan with Beacon Health Options. The Medical PPO Plan changes described in this section take effect on January 1, new benefits and features for 2018 The Medical PPO Plan includes the following new benefits features effective January 1, See Page 15 for further details. Hearing aid coverage for adults. New condition-specific prescription drug programs. monthly premium Chevron will currently continue to share the monthly cost of coverage the premium with eligible employees. Employee monthly premium $138 You only $276 You + One adult $235 You + Child(ren) $373 You + Family Employee monthly premium if wellness credit obtained $75.50 You only $ You + One adult $ You + Child(ren) $ You + Family There s still time to receive this reduced monthly premium in The deadline to qualify for the 2018 Wellness Credit is October 27, See Page 20 U.S. Pay and Benefit News 8

9 annual deductibles The Medical PPO Plan has separate deductibles, one for medical services and the other for prescription drug costs. There is no deductible for mental health and substance abuse services. Covered prescription drugs deductible The Medical PPO Plan prescription drug deductible is not changing in 2018; this information is provided for your reference only. The prescription drug deductible is the same whether you use a network or out-of-network provider. As a reminder, mail-order prescriptions are not subject to the annual deductible. Coverage category You Only $150 You + One Adult* You + Child(ren)* You + Family* *Each covered individual has a maximum deductible equal to the You Only amount. Network or Out-of-network $300 Covered medical services deductible The Medical PPO Plan deductible for covered medical services is not changing in 2018; this information is provided for your reference only. There are different deductible amounts for covered medical services depending on if you see a network or an out-of-network provider. Amounts paid for covered medical services provided by a network provider also count toward the out-of-network annual deductible. Amounts paid for covered medical services provided by an out-of-network provider also count toward the network annual deductible. *Each covered individual has a maximum deductible equal to the You Only amount. Coverage category Network Out-of-network You Only $1,000 $2,000 You + One Adult* $2,000 $4,000 You + Child(ren)* $2,000 $4,000 You + Family* $3,000 $6,000 October

10 high deductible health plans With a high deductible health plan, you ll have access to quality medical coverage and the opportunity to participate in a health savings account (HSA). Chevron offers two high deductible health plan choices, the Chevron High Deductible Health Plan (HDHP) and the Chevron High Deductible Health Plan Basic (HDHP Basic). HDHP and HDHP Basic coverage is much like a traditional PPO, so you can choose any doctor you want. However, remember that you pay more out-of-your pocket if you visit an out-of-network provider. The high deductible part of these plans mean that compared to other plans Chevron offers, you ll be responsible for paying a higher dollar amount before the plan shares costs with you. The trade-off for that higher deductible is a lower monthly premium and the unique opportunity to participate in an HSA to help pay for current and future qualified health expenses. An HSA is like a savings plan for your health care. You can set aside money into an HSA and use it to help pay for current and future qualified health expenses. And when you reach a certain balance, you can also invest the money in your account among any of the investment choices offered by your HSA provider. The money you don t use stays in your account and rolls over each year. In addition, Chevron will also contribute to the BenefitWallet HSA in See Page 21 for more information. The Chevron HDHP and HDHP Basic include medical coverage with Anthem Blue Cross (Anthem) and prescription drug coverage with Express Scripts. You re also automatically enrolled in the Vision Program for basic vision coverage with VSP, and the Mental Health and Substance Abuse Plan with Beacon Health Options. The HDHP and HDHP Basic changes described in this section take effect on January 1, new benefits and features for 2018 The HDHP and HDHP Basic include the following new benefits features effective January 1, See Page 15 for further details. Hearing aid coverage for adults. New condition-specific prescription drug programs. Preventive medications covered at 100 percent. U.S. Pay and Benefit News 10

11 your 2018 HDHP by the numbers monthly premium Chevron will currently continue to share the monthly cost of coverage the premium with eligible employees. Employee monthly premium $31 You only $62 You + One adult $51 You + Child(ren) $82 You + Family Employee monthly premium if wellness credit obtained $0 You only $0 You + One adult $0 You + Child(ren) $19.50 You + Family There s still time to receive this reduced monthly premium in The deadline to qualify for the 2018 Wellness Credit is October 27, See Page 20 annual combined deductible The Chevron HDHP has one combined deductible for medical, prescription drugs (both retail and mail-order), mental health and substance abuse services. This means you ll have to pay the full cost for covered services and supplies until you reach the deductible for the year. There are different deductible amounts for covered services depending on if you see a network or an out-of-network provider. Amounts paid for covered services provided by a network provider also count toward the out-of-network annual deductible. Amounts paid for covered services provided by an out-of-network provider also count toward the network annual deductible. Effective January 1, 2018, the annual combined deductible for the HDHP will slightly increase to meet federal requirements to be compatible with a health savings account. Combined medical, prescription drug, mental health and substance abuse services + Coverage category Network Out-of-network You Only $2,700 ñ$50 $5,400 ñ$100 You + One Adult* $5,400 ñ$100 $10,800 ñ$200 You + Child(ren)* $5,400 ñ$100 $10,800 ñ$200 You + Family* $5,400 ñ$100 $10,800 ñ$200 *Each covered individual has a maximum deductible equal to the You Only amount. October

12 your 2018 HDHP Basic by the numbers monthly premium Chevron will currently continue to share the monthly cost of coverage the premium with eligible employees. Employee monthly premium $10 You only $21 You + One adult $17 You + Child(ren) $28 You + Family Employee monthly premium if wellness credit obtained $0 You only $0 You + One adult $0 You + Child(ren) $0 You + Family There s still time to receive this $0 monthly premium in The deadline to qualify for the 2018 Wellness Credit is October 27, See Page 20 annual combined deductible The combined deductible for the Chevron HDHP Basic is not changing in 2018; this information is provided for your reference only. The Chevron HDHP Basic has one combined deductible for medical, prescription drugs (both retail and mail-order), mental health and substance abuse services. This means you ll have to pay the full cost for covered services and supplies until you reach the deductible for the year. There are different deductible amounts for covered services depending on if you see a network or an out-of-network provider. Amounts paid for covered services provided by a network provider also count toward the out-of-network annual deductible. Amounts paid for covered services provided by an out-of-network provider also count toward the network annual deductible. Combined medical, prescription drug, mental health and substance abuse services + Coverage category Network Out-of-network You Only $5,000 $10,000 You + One Adult* $10,000 $20,000 You + Child(ren)* $10,000 $20,000 You + Family* $10,000 $20,000 *Each covered individual has a maximum deductible equal to the You Only amount. U.S. Pay and Benefit News 12

13 medical HMO plans Chevron offers several health maintenance organization (HMO) medical plan options that include medical coverage, prescription drug coverage and basic vision coverage. With a Medical HMO Plan, you must visit a provider in the HMO s network, otherwise your services aren t covered (except for certain emergency situations). Typically, you need a referral to a specialist under the Medical HMO Plans. HMOs are not available in all areas and the plan choices vary based on your zip code. monthly premium cost The monthly cost information for all of Chevron s HMO Plans is now available on hr2.chevron.com/openenrollment and the Benefits Connection website starting October 16. annual deductibles The average annual deductible for most Medical HMO Plans in 2018 will remain $300. However, some Medical HMO Plans may have a different deductible, and a few will continue to have no deductible at all. Review the Summary of Benefits and Coverage (SBC) to see the 2018 deductible amount for any Medical HMO Plans available to you. You ll need to contact the HMO directly starting in January to understand what is and is not applied to your deductible. new medical HMO in pennsylvania A new Medical HMO plan, Medical HMO - University of Pittsburgh Medical Center (UPMC), is available to Pennsylvania eligible employees in certain zip codes. This HMO Plan includes a $300 annual deductible. Review the Summary of Benefits and Coverage (SBC) for this new HMO Plan for more information. You can also contact the HMO directly at starting in October 2017, for specific questions regarding the HMO Plan s coverage. Your personalized open enrollment worksheet and the Benefits Connection enrollment website will indicate if this new HMO Plan is available in your zip code. new name for the group health HMOs Two current HMO Plans will be renamed. Chevron Medical HMO Plan Group Health WA will be renamed the Chevron Medical HMO Plan Kaiser WA. Chevron Medical HMO - Group Health Cooperative Medicare will be renamed Chevron Medical HMO Plan Kaiser WA Medicare. This is a name change only. You can contact the HMOs directly for specific questions regarding these HMO plans. October

14 other medical HMO plan changes The Benefits Connection website will list the Medical HMO Plans available to you next year (if any). Your provider or other plan features, like monthly premiums, deductibles, copayments or prescription drug coverage could change. Highlights of HMO Plan changes are included below; this list is not inclusive. Review your Medical HMO Plan s 2018 Evidence of Coverage document. Contact the HMO directly to request a copy. Kaiser Foundation Health Plan of Colorado Hospice care will continue to be covered at 100%, but it s no longer subject to the deductible. Kaiser Foundation Health Plan of Hawaii Changes to copayments for generic maintenance drugs and specialty drugs. Changes to your share of the costs for infertility (IVF) treatment, radiation therapy, and the skilled administered drug benefit. medical HMO plan reminders Each year, the HMOs review the ZIP codes and counties in which they have providers. An HMO may choose to discontinue coverage to residents of certain areas. Your HMO s provider network may have changed. Contact your HMO directly to find out if your current provider continues to be in the network. If not, you will need to change providers or choose a new medical plan option to ensure that your medical services continue to be covered. Copayment and other changes in your current HMO coverage may apply because of state filings, compliance with the Health Care Reform law provisions, or to align them more closely with Chevron s standard benefit design. You ll be able to view more information about Medical HMO Plan changes, if any, in the 2018 Evidence of Coverage document available for each Medical HMO Plan. Contact the HMO directly to request a copy. mental health and substance abuse coverage If you are enrolled in a Chevron Medical HMO Plan, you have the choice to use the mental health and substance abuse benefits provided by your HMO Plan, or to use the benefits provided under the MHSA Plan administered by Beacon Health Options. However, you cannot make a claim to both your HMO Plan and the MHSA Plan for the same service. Learn more on Page 29. more plan information online See your Medical HMO Plan s Summary of Benefits and Coverage (SBC) for more information about your Medical HMO Plan s features, or contact the HMO directly. SBCs and contact information are available online at hr2.chevron.com/openenrollment. U.S. Pay and Benefit News 14

15 a closer look at new 2018 medical benefit features certain preventive medications covered at 100 percent Effective January 1, 2018, your prescription drug coverage in the HDHP or HDHP Basic will cover certain preventive medications at 100 percent, even if you haven t yet satisfied your combined annual deductible. This coverage generally includes preventive medication in the following drug classes: Cholesterol lowering High blood pressure Blood thinners Obesity Bone disease/fracture Smoking cessation Cavity prevention Malaria Colonoscopy prep Respiratory Syncytial Virus This benefit applies to covered prescriptions filled at a pharmacy or through the mail-order service. Rules regarding prior authorization or clinical review continue to apply, if required for your particular drug. To find out if your preventive medication is on the list for this coverage, call Express Scripts Member Services at or login to the Express Scripts website at after January 1, October

16 hearing aid coverage for adults Under current plan rules, coverage for hearing aids is only available to children under age 26. Effective January 1, 2018, the Medical PPO Plan, the High Deductible Health Plan (HDHP) and the High Deductible Health Plan Basic (HDHP Basic) will expand hearing aid coverage to all plan participants, including adults. Effective January 1, 2018, the plan pays covered charges, after the deductible, for hearing aids, including bone anchored hearing aids (BAHA) when medically necessary. Hearing aids are covered up to a maximum of $5,000 once every 4 years. Cochlear implants in adults are governed by a separate plan rule and are not affected by this plan change. Medical PPO Plan Network Out-of-network 80% of contracted rates after deductible. 80% of the maximum allowable amount after deductible. High Deductible Health Plan (HDHP) Network Out-of-network 80% of contracted rates after deductible. 80% of the maximum allowable amount after deductible. High Deductible Health Plan Basic (HDHP Basic) Network Out-of-network 70% of contracted rates after deductible. 70% of the maximum allowable amount after deductible. Hearing aids Coverage includes the hearing aid device and fitting. Batteries and routine maintenance of the device are not covered. Bone Anchored Hearing Aids (BAHA) Coverage for BAHA includes the actual hearing device as well as the surgery* to attach or remove the device. Coverage for BAHA is limited to the following conditions: Craniofacial anomalies where abnormal or absent ear canals preclude the use of a wearable hearing aid. Hearing loss of sufficient severity exists that would not be adequately remedied by a wearable hearing aid. * The surgery is covered by a separate Surgical benefit under the plan. See the Surgical heading in the What the Plan Pays section in the Medical coverage chapter of your plan s summary plan description available online at hr2.chevron.com. U.S. Pay and Benefit News 16

17 new condition-specific prescription drug programs diabetes, oncology, inflammatory conditions, multiple sclerosis, and pulmonary conditions If you are enrolled in the Medical PPO Plan, the High Deductible Health Plan (HDHP) or the High Deductible Health Plan Basic (HDHP Basic), you automatically have prescription drug coverage through the Prescription Drug Program with Express Scripts. The Prescription Drug Program currently has specialty drug and specialty pharmacy requirements in place, including access to specialist pharmacists, nurses and other clinicians who are trained to your specific condition. Effective January 1, 2018, a variety of specialized services and support tools will be available. These programs are already in place for hepatitis and cholesterol care, but Express Scripts will expand these programs to now include: Diabetes Care Value Program SM Oncology Care Value Program Inflammatory Conditions Care Value Program SM Multiple Sclerosis Care Value Program SM The end goal of these programs is to help you stay on your medication regime for the long-term. Studies show that adhering to proper and consistent medication therapies can help you avoid hospital visits or a recurrence of dangerous symptoms and complications. These changes provide additional access to services; they don t affect your current prescription drug benefit. You ll be notified by Express Scripts if your condition and medication is subject to any of these programs during 2018, including what you need to do, if anything. Starting October 16, 2017, to find out if your prescription drug is subject to the specialty drug program and these condition-specific services, contact Express Scripts Member Services at First fill at Accredo, the Express Script Specialty Pharmacy As a reminder, if you are prescribed certain specialty drugs to treat conditions like the ones above, you may be required to have them dispensed from the Express Scripts Specialty Pharmacy Accredo starting with the first fill. This is not a change from current practice; this specialty pharmacy and the fill requirement is already part of your prescription drug benefit. The affected medications will not be covered if supplied by your doctor or another pharmacy. You will receive refill reminders and they will schedule and quickly ship all your specialty medications, including those that require special handling, such as refrigeration. You ll be notified by Express Scripts if your condition and medication is subject to this requirement. You can also call Express Scripts Member Services at for information. pay your 90-day supply in 30-day installments Express Scripts will allow you to opt to pay for your 90-day supply in three installments using only your credit card, bank debit card, Health Care Spending Account (HCSA) card, or health savings account (HSA) card. By using the Extended Payment Program you can get a long-term supply of your medication but continue to pay for that prescription as though you re filling a short-term supply. It s a cost-effective way to adhere to your therapy long-term. There is no minimum dollar amount required for participation and there is no service fee. You can sign up for the Extended Payment Program either by speaking with Express Scripts Member Services at or through the payment options available on October

18 Pulmonary Care Value Program SM In addition to the condition-specific programs above, Express Scripts will also introduce the Pulmonary Care Value Program SM for Chevron participants starting January 1, This program targets pulmonary conditions including asthma and chronic obstructive pulmonary disease (COPD) with an enhanced level of care including: All pulmonary prescriptions will be filled through Express Scripts Home Delivery at a 90-day supply quantity level. This requirement ensures you have consistent access to your medication to promote adherence. Qualified members will also have voluntary access to the Mango Health app or Pulmonary Remote Monitoring via a Bluetooth enabled device. These high-tech tools will help you learn how to use your pulmonary therapy effectively and consistently. If you are currently taking any of the affected medications, you will receive detailed information directly from Express Scripts in early December. You don t need to do anything now. Diabetes Care Value Program SM This program includes specialized services and support tools, similar to the other Express Scripts condition-specific programs. In addition, covered medication will be filled through Express Scripts Home Delivery up to a 90-day supply quantity level. This requirement ensures you have consistent access to your medication to promote adherence. Therapeutic Resource Centers All of Express Scripts condition-specific programs include no-cost access to Therapeutic Resource Centers (TRC). TRCs are pharmacy practices that specialize in caring for participants with the most complicated and chronic conditions, including cardiovascular disease, diabetes, cancer, HIV, asthma, depression, and many rare and specialty conditions. You ll be able to engage directly with specialist pharmacists and nurses who can help you: Understand your medication and how to take it. Avoid dangerous medication mistakes. Get help saving money on your prescriptions. You can access a TRC specialist pharmacist by calling Express Scripts Member Services at and requesting counseling from a specialist pharmacist. You can also send an by logging into the Express Scripts website at U.S. Pay and Benefit News 18

19 know your cost get help thinking about your 2018 health expenses Reviewing the monthly premium costs and annual deductible amounts provided in this newsletter are an important first step when comparing your medical plan choices for But it s also important to understand your typical health expenses to get a more complete picture of your health care needs. Medical PPO, High Deductible Health Plan (HDHP), and HDHP Basic participants can access the online Know Your Cost tool available when you log in to the Anthem website. Know Your Cost, powered by Castlight, is your personalized healthcare assistant. Castlight can help you get more out of your medical plan and benefits so you can experience your health benefits in a whole new way. Consider using the tool during open enrollment to help you: See how much you spent in 2017 Visit Castlight to review your medical claims to date. Knowing how much you spent in 2017 can help you make your benefit decisions for Stay ahead of your 2018 expenses Planning medical care next year? Be sure to visit Castlight to find and compare reviews and quality scores for doctors and hospitals, and learn tips on how to save money. Unsure how your medical plan works? Castlight can explain your current health plan, show you your past bills in an easy-to-read format, identify where you spent too much out-of-pocket, and present tips on how to save money. Learn more. Get started. Learn more about Castlight and access the tool on hr2.chevron.com/openenrollment. still need points toward that reduced 2018 medical premium? Try the Castlight Know Your Cost tool during open enrollment to help you think about your health care needs and earn 100 points toward the Wellness Credit. This activity is available only to employees currently enrolled in the Medical PPO Plan, the Chevron High Deductible Health Plan (HDHP) or the HDHP Basic. See Page 20 for more information about the Wellness Credit. October

20 how to reduce your chevron medical premium in 2018 qualify for the wellness credit by october 27, 2017 If the reduced Chevron medical plan premiums listed earlier in this newsletter looked appealing, there s still time to qualify for the 2018 Wellness Credit to receive those reduced premiums. Many of the activities require advance scheduling and time to complete, but you still have time to accumulate the required 1,000 points before the deadline if you act now. Go to hr2.chevron.com/wellness and click on Health Rewards to see the list of qualifying healthy activities and read the complete eligibility rules and restrictions. Each time you complete (and report) a qualifying activity, you ll earn points. Earn 1,000 points by October 27, 2017 and you can qualify for the 2018 Wellness Credit. The 2018 Wellness Credit is a premium reduction of up to $750 annually on qualifying Chevron-sponsored medical plan coverage premiums from January 1, 2018 through December 31, The premium reduction applies only to the following Chevron-sponsored medical plans: Medical PPO Plan Medical HMO Plans High Deductible Health Plan (HDHP) High Deductible Health Plan Basic (HDHP Basic) the full list of reduced premiums for the plans listed above is only available on hr2.chevron.com/openenrollment. During open enrollment, the Benefits Connection website will display the full medical premium, even if you ve already earned the required points. After October 27, the HR Service Center will process the reduced premiums for all eligible employees who qualified. You ll receive a new confirmation statement from the HR Service Center in the mail by the end of the year. The confirmation statement will affirm that you qualified for the Wellness Credit and will list your new monthly medical premium amount for The Chevron-sponsored medical plan in which you are enrolled on January 1, 2018 will be used to calculate your premium reduction amount for the Wellness Credit Period. This means if you want to start Chevron medical coverage, change your medical plan, or change your coverage level to take advantage of this opportunity, you must act during open enrollment. Eligible Wellness Credit recipients will receive the premium reduction from January 1, 2018 through December 31, 2018 as long as you remain an eligible employee enrolled in a qualifying Chevron-sponsored medical plan. If you are not enrolled in a qualifying Chevron-sponsored medical plan on January 1, 2018, you are ineligible to receive the 2018 Wellness Credit, even if you earned the required points by the deadline. You cannot receive the Wellness Credit in cash or any other form. However, you don t have to be enrolled in a Chevron-sponsored medical plan to accumulate points by October 27. If you stop participating in a qualifying Chevron-sponsored medical plan or you leave Chevron, you are no longer eligible to receive the 2018 Wellness Credit and you forfeit the remainder of your annual premium reduction amount, effective the date your coverage ends. You will not be paid the balance of the annual premium reduction you were potentially eligible to receive in cash or in any other form. U.S. Pay and Benefit News 20

21 two ways to save for your health expenses All of Chevron s medical plans offer access to one of two tax-advantaged accounts, either the Health Care Spending Account (HCSA) or a health savings account (HSA). The premise of these accounts is simple. You contribute money, and later you can use the money in your account to help pay for certain out-of-pocket health care costs. However, be sure to take a closer look. Their names sound similar, but they actually serve two very different purposes. the health savings account (HSA) is exactly that, a savings account. This account is designed for long-term savings so the focus is on putting in as much money as you can. This means there is no pressure to use the money in your account right away. If you want to pay for an expense out-of-pocket and keep the money in your account, you can. If you would rather use the money in your account, that s your choice too. the health care spending account (HCSA) is a flexible spending account. This account is designed for short term spending. The account only lasts for the calendar year, and any unspent and unclaimed money after the annual deadline will be forfeited. So the focus for this account is on setting aside a small amount of money and spending it all as soon as you can. Enrolling in either health account is a voluntary choice, and the account you can use varies based on the medical plan you choose. In addition, you can t be enrolled in both accounts at the same time. The side-by-side comparison at right highlights how they re similar and how they re different. chevron contributions to the benefitwallet HSA in 2018 To help you build your HSA savings in 2018, Chevron will once again contribute to the BenefitWallet HSA. Chevron s contribution amount is based on your medical coverage tier and is subject to certain requirements. If you don t currently have a BenefitWallet HSA, you ll need to act during open enrollment. See Page 23 for additional information Chevron contribution amounts to the BenefitWallet HSA You Only $500 You + Child(ren) $750 You + One adult $750 You + Family $1,000 The 2018 company contribution to your account is based on the coverage level you choose during open enrollment or when you make your new hire/rehire enrollment elections. Eligible employees hired/rehired on or after July 1, 2018 will receive half the applicable Chevron HSA contribution for 2018, subject to timely enrollment and BenefitWallet HSA account opening. If you do not enroll in a BenefitWallet HSA during open enrollment or during your 31-day new hire/rehire enrollment period, you will not be eligible to receive the 2018 company contribution. If you experience a qualifying life event that permits you to enroll in the HDHP or HDHP Basic, you will not be eligible to receive the 2018 company contribution. If you experience a qualifying life event that changes your existing HDHP or HDHP Basic coverage level, you will neither receive an additional company contribution, nor will you be required to return a portion of the company contribution. October

22 health savings account (HSA) An HSA is a personal account separate from your Chevron benefits. Must enroll in a high deductible health plan to open or contribute. High Deductible Health Plan (HDHP) High Deductible Health Plan Basic (HDHP Basic) You can choose an HSA from any institution that offers them, but open a BenefitWallet HSA and you can contribute via pre-tax payroll deductions. Chevron contributes. Chevron will contribute if you have an open BenefitWallet HSA and you re enrolled in the HDHP or HDHP Basic as of January 1, See Page 23 The IRS limits your annual contributions IRS HSA limits: Individual: $3,450 Family: $6,900 You are allowed to make an extra $1,000 in catch-up contributions starting in the calendar year you turn age 55. Any money you contribute to an HSA is yours. It rolls over from year to year and you can use it to pay for qualified medical expenses now or at any time in the future, regardless of the medical plan you re enrolled in at the time. You can invest the money in your account. When you reach a certain balance, you can invest the money in your account among any of the investment choices offered by your HSA provider. There is a one-time account opening requirement.you do not need to re-enroll every year, but you should monitor your contributions against annual IRS limits. You can start, stop, or change your HSA contributions at any time. If you retire or leave Chevron, you can take your HSA with you. health care spending account (HCSA) The HCSA is a flexible spending account plan offered as part of your total Chevron benefits package. Cannot be enrolled in a high deductible health plan to participate. You can be enrolled in: Medical PPO Plan Medical HMO Plans This is a benefit plan, so if enrolled, you ll contribute via pre-tax payroll deductions. Chevron does not contribute. The IRS limits your annual contributions. As of this printing, the 2018 IRS limit is not yet available. For your reference, the 2017 IRS flexible spending account limit is $2,600. There are no catch-up contributions. This account does not roll over. The money you contribute must be spent by December 31 and you have until June 30 of the following year to submit claims for qualified expenses. After that, any unspent and unclaimed money will be forfeited. You cannot invest the funds in your account, and your account does not earn interest. You must re-enroll every year during open enrollment to participate. Your open enrollment election to participate and the amount you choose to contribute applies until December 31. It generally cannot be changed. If you retire or leave Chevron, your HCSA will not go with you, unless you elect to continue it through COBRA. U.S. Pay and Benefit News 22

23 how to receive a chevron contribution to your HSA The first account funding cycle for 2018 will occur at the end of January. This means your employee contributions and any applicable 2018 company contribution will not appear in your account as of January 1, After the first payroll cycle of the year, contributions will appear in your account with less delay. Remember, you can reimburse yourself for qualified medical expenses at any time in the future, as long as the eligible expense occurred on or after your HSA effective date. Currently participating? If you already have a BenefitWallet HSA because you are currently participating in the Chevron HDHP or HDHP Basic, you don t have to do anything during open enrollment. You ll receive the company contribution as long as you remain enrolled in the HDHP or HDHP Basic and still have your BenefitWallet HSA on January 1, Your current employee contribution will automatically continue for You can change your employee contribution at any time from the Benefits Connection website, but open enrollment is always a good time to review your savings goals against the new IRS limits for Not currently participating but want to start? If you aren t currently participating in the BenefitWallet HSA but want the Chevron contribution in 2018, you must act during open enrollment, October 16 through October 27, Enroll in the Chevron HDHP or Chevron HDHP Basic during open enrollment. 2. Make an election to open the BenefitWallet HSA during open enrollment. Please note that Chevron does not contribute to another institution s HSA. Remember, enrollment in the HDHP or HDHP Basic gives you the keys to open the BenefitWallet HSA, but it s your responsibility to determine if you re eligible. You should consult your tax advisor and read the full eligibility requirements in IRS Publication 969 on but in general: You must be enrolled in an HSA-compatible plan, like the HDHP or HDHP Basic. You are covered by no other health coverage, unless it s an allowed plan, such as another high deductible plan, a dental plan, or a vision plan. You are not enrolled in or covered by a health flexible spending account like the Health Care Spending Account (HCSA) or an HRA. This means you can t be enrolled in Chevron s Health Care Spending Account (HCSA). It also means your spouse, if applicable, cannot be enrolled in a flexible spending account or HRA that could reimburse your expenses. 3. Complete the required financial information as soon as possible. If you are opening a BenefitWallet account for the first time, BenefitWallet will collect personal information as required by federal banking regulations under the USA Patriot Act that is needed to open a bank account. If you don t provide the requested information, your account will not be opened and you cannot receive the company contribution. If you opened your account online when prompted, you are typically done unless BenefitWallet contacts you. You ll receive a Welcome Kit in the mail in December. If you did not agree to electronically open your account, you ll receive a kit from BenefitWallet by mail, typically by December. Your contributions and the company contribution to your account will be delayed until you have returned the required information and your account opening is processed. You must complete your account opening by November 15, 2018 to receive the company contribution for Contact BenefitWallet directly at with questions about your HSA account. October

24 how to participate in the health care spending account in 2018 You must enroll in the Health Care Spending Account (HCSA) every year; coverage is not automatic. If you want to participate in 2018, you must enroll during open enrollment October 16 through October 27, 2017 even if you re already participating this year. If you don t make an election during open enrollment, you will not have coverage during If you enroll in the HCSA for 2018, your account can be used to reimburse eligible expenses you incur from January 1 through December 31, If you do not use all of your account funds to pay for eligible expenses during this period, money left unspent or unclaimed in your account will be forfeited. You have until June 30, 2019, to file a claim to be reimbursed for eligible expenses you incurred in Note that HCSA funds cannot be used for Dependent Day Care Spending Account (DCSA) expenses and DCSA funds cannot be used for Health Care Spending Account expenses. It s your responsibility to meet the December 31 and June 30 deadlines; be sure to add a reminder to your calendar to help you remember. The $250 Wellness Credit deposit to the HCSA will not be offered in In 2018 the Wellness Credit is a premium reduction for qualifying Chevron-sponsored medical plans. See Page 20 for more information. If you are enrolled in the HCSA, you cannot open or contribute to the BenefitWallet HSA. This means that if you change to the Chevron High Deductible Health Plan (HDHP) or High Deductible Health Plan Basic (HDHP Basic) mid-year in 2018 due to a qualifying life event, or if you return from an expatriate assignment and want to enroll in the HDHP or HDHP Basic, you cannot open and contribute to the BenefitWallet HSA if you have already elected to enroll in the HCSA for more plan information online For additional information about the HSA, the HCSA, or the company contribution to the HSA, go to hr2.chevron.com/openenrollment. U.S. Pay and Benefit News 24

25 dental PPO plan The Chevron Dental PPO Plan Plan is a preferred provider organization (PPO) dental plan. Delta Dental of California (Delta Dental) is the claims administrator. The Dental PPO Plan changes described below will take effect January 1, monthly premium Chevron will currently continue to share the monthly cost of coverage the premium with eligible employees. Employee monthly premium* $27.40 You only $54.80 You + One adult $46.70 You + Child(ren) $74.10 You + Family There s still time to avoid the dental surcharge in The deadline to get your cleaning is December 31, See Page 28 *The monthly premiums listed above assume that you received your preventive dental cleaning in As a reminder, if you are currently enrolled in the Chevron Dental PPO or Dental HMO Plan, you re encouraged to take steps to protect your health and receive at least one preventive dental cleaning between January 1 and December 31, If you do not participate in this preventive care measure by December 31, 2017, you will pay $120 more for your annual dental plan premium next year. Learn more on Page 28. annual deductibles, coinsurance, copayments and out-of-pocket maximums There are no changes to the deductible, coinsurance, copayment and annual out-of-pocket maximums for the Dental PPO Plan in You can view a summary of this information online at hr2.chevron.com/openenrollment. dental PPO plan changes The following x-ray limitations have been changed to align with FDA and ADA guidelines on radiation exposure: Bitewing x-rays To age 18, two per calendar year. Over age 18, one in a calendar year. Full mouth x-rays One in 60 months, combine with panoramic x-rays. Panoramic x-rays One in 60 months, combine with full mouth x-rays. Other plan changes include: Debridement, one per lifetime. Root canal re-treatment, one in 24 months. Pulpal therapy, covered on primary teeth, with no age limitations. Pulpal therapy is not covered on permanent teeth. The previous coverage exclusion for dental implants that replace natural teeth lost while not covered under the Chevron Dental PPO Plan has been removed. Oral pathology laboratory (labs and tests), covered as a diagnostic service. October