Medical and prescription drug

Understanding your options

Chubb offers a range of medical plan options with different coverage levels, price points, and carriers, so you can select what’s right for you. Each medical plan includes prescription drug coverage.

How the Medical Plans Work

No Cost	Shared Cost	Cost Limits
In-network preventive care is at no cost to you Services such as annual physicals, recommended immunizations and routine cancer screenings are fully covered, so you pay nothing. Coverage for non-preventive care with an annual deductible For most non-preventive care, you pay 100% of costs until you meet the annual deductible.	Coinsurance reduces your costs Once the deductible is met, you and the plan share any further health expenses until you meet the out-of-pocket maximum.	Out-of-pocket maximums limit your annual expenses Each plan protects you by capping the total amount you’ll pay each year for medical care. Once you meet the out- of-pocket maximum, the plan pays 100% of your eligible expenses for the rest of the year. Keep in mind that there are separate deductibles, coinsurance and out-of-pocket maximums for in-network vs. out-of-network coverage.

No Cost

Shared Cost

Cost Limits

In-network preventive care is at no cost to you

Services such as annual physicals, recommended immunizations and routine cancer screenings are fully covered, so you pay nothing. Coverage for non-preventive care with an annual deductible For most non-preventive care, you pay 100% of costs until you meet the annual deductible.

Coinsurance reduces your costs

Once the deductible is met, you and the plan share any further health expenses until you meet the out-of-pocket maximum.

Out-of-pocket maximums limit your annual expenses

Each plan protects you by capping the total amount you’ll pay each year for medical care. Once you meet the out- of-pocket maximum, the plan pays 100% of your eligible expenses for the rest of the year. Keep in mind that there are separate deductibles, coinsurance and out-of-pocket maximums for in-network vs. out-of-network coverage.

Compare the plans

In-network coverage

You save money by seeing in-network providers. Remember, your out-of-network expenses do not count toward your in-network deductible or out-of-pocket maximum.

Plan	Aetna Plans
Plan	$1,850 Deductible	$4,500 Deductible
Annual deductible (Individual/Family)	$1,850/$3,700	$4,500/$9,000
HSA eligible	Yes	Yes
Out-of-pocket maximum (Individual/Family)	$4,000/$8,000	$6,550/$13,100
Coinsurance	You pay 20%, plan pays 80%	You pay 30%, plan pays 70%
Medical care: Your costs
Preventive care	You pay $0 when you get services in-network.
Office visit	20% after deductible	30% after deductible
Urgent care visit	20% after deductible	30% after deductible
Emergency room visit	20% after deductible	30% after deductible

Covering dependents?

Learn how your family’s expenses accumulate toward the in-network deductible and out-of-pocket maximum.

How do I...	If I’m covering dependents...
	In the $1,850 Deductible Plan	In the $4,500 Deductible Plan
Meet the in-network deductible?	You must spend $3,700 toward in-network expenses (your entire family deductible) before the plan begins to pay coinsurance for any family member. The individual deductible does not apply.	The plan begins to pay coinsurance for each family member when their individual deductible ($4,500) is met, OR for everyone when the family deductible ($9,000) is met.
Meet the in-network out-of-pocket maximum?	You must spend $8,000 toward in-network expenses (your entire family out-of-pocket maximum) before the plan begins to pay 100% of covered expenses for any family member. The individual out-of-pocket maximum does not apply.	The plan begins to pay 100% of covered expenses for each family member when their individual out-of-pocket maximum ($6,550) is met, OR for everyone when the family out-of-pocket maximum ($13,100) is met.

Find in-network providers

Aetna www.aetna.com/docfind	Kaiser (Hawaii only) www.kp.org
Search as a member by logging into your Aetna account or search as a guest. When prompted to select a plan, you can select "Aetna Choice^® POS II (Open Access)"	Click “Find doctors and locations,” choose your region and enter your search criteria.

Aetna

www.aetna.com/docfind

Kaiser (Hawaii only)

www.kp.org

Search as a member by logging into your Aetna account or search as a guest. When prompted to select a plan, you can select "Aetna Choice^® POS II (Open Access)"

Click “Find doctors and locations,” choose your region and enter your search criteria.

Out-of-network coverage

You have the flexibility to see any provider you wish, but you’ll pay more when you go out-of-network. Your in-network expenses do not count toward your out-of-network deductible or out-of-pocket maximum.

Plan	Aetna Plans
Plan	$1,850 Deductible	$4,500 Deductible
Annual deductible (Individual/Family)	$3,700/$7,400	$9,000/$18,000
HSA eligible	Yes	Yes
Out-of-pocket maximum (Individual/Family)	$8,000/$16,000	$13,100/$26,200
Coinsurance	You pay 40%, plan pays 60%	You pay 50%, plan pays 50%
Medical care: Your costs
Preventive care	40% after deductible	50% after deductible
Office visit	40% after deductible	50% after deductible
Telehealth visit	Varies; visit your medical carrier site for details.
Urgent care visit	40% after deductible	50% after deductible
Emergency room visit	20% after deductible	30% after deductible

Covering dependents?

Learn how your family’s expenses accumulate toward the out-of-network deductible and out-of-pocket maximum.

How do I...	If I’m covering dependents...
	In the $1,850 Deductible Plan	In the $4,500 Deductible Plan
Meet the out-of-network deductible?	You must spend $7,400 toward out-of-network expenses (your entire family deductible) before the plan begins to pay coinsurance for any family member. The individual deductible does not apply.	The plan begins to pay coinsurance for each family member when their individual deductible ($9,000) is met, OR for everyone when the family deductible ($18,000) is met.
Meet the out-of-network out-of-pocket maximum?	You must spend $16,000 toward out-of-network expenses (your entire family out-of-pocket maximum) before the plan begins to pay 100% of covered expenses for any family member. The individual out-of-pocket maximum does not apply.	The plan begins to pay 100% of covered expenses for each family member when their individual out-of-pocket maximum ($13,100) is met, OR for everyone when the family out-of-pocket maximum ($26,200) is met.

Coverage Level & Who Can Be Covered

Employee only
Employee + spouse/partner
Employee + child(ren)
Employee + family

You may cover the following dependents as long as you are enrolled in a plan yourself and can provide documentation to confirm eligibility:

Your spouse/partner
You or your spouse/partner’s eligible children up to age 26 (their eligibility ends the last day of the month the child turns 26).
Your disabled children of any age, if they are covered under your medical plan and disabled prior to losing eligibility. They must also be legally or financial dependent as defined by the IRS for federal tax purposes).

Eligibility

To be eligible for company provided benefits (medical (including prescription), vision, dental, life insurance, disability, AD&D, hospital indemnity, critical illness, accident and the health care or dependent care FSAs) with Chubb, U.S. employees of the Combined Field Agent Division must meet and maintain an annual income threshold each payroll year of $20,000 or more in net first-year commissions and overrides.

Employees who do not meet this required annual income threshold must wait until February 1 following the calendar year in which the employee has met the minimum income requirements to participate in company provided benefits.

Benefits eligibility for Agents
First day in the field	After 90 days of continuous service from your first day in the field	After one year of continuous service from your first day in the field
Basic AD&D insurance Supplemental AD&D insurance Employee Assistance Program	Medical/Rx plan Health savings and flexible spending accounts Vision plan Supplemental medical plans (accident, hospital indemnity, critical illness)	Basic life insurance Dental plan Supplemental employee life insurance Long-term disability

What Will You Pay

You pay for your medical coverage through medical plan premiums deducted from your paycheck. The amount you pay depends on:

The plan you choose. The lower deductible plan has higher premiums; the higher deductible plan has lower premiums.
The dependents you cover. Premiums are lower for individual coverage and higher if you cover dependents.
Your spouse’s/partner’s access to coverage. If you cover a spouse/partner who has access to medical coverage through his/her employer, a surcharge of $100 per month will be applied to your medical plan premiums.
Your tobacco-use status. Chubb medical plans include a tobacco premium surcharge for employees and/or covered spouses/partners who use tobacco products:
- $50 per month (one user) or $100 per month (both users).

Medical Rates

Aetna

Plans & coverage tiers	Weekly rates*
$1,850 Deductible Plan (High Deductible)
EE Only	$151.43
EE + Spouse/Partner**	$421.90
EE + Child(ren)**	$266.16
EE + Family**	$451.68

	Weekly rates*
Plans & coverage tiers	< 10 Years of service	> 10 Years of service
$4,500 Deductible Plan (High Deductible)
EE Only	$113.82	$92.39
EE + Spouse/Partner**	$285.92	$228.74
EE + Child(ren)**	$180.20	$144.16
EE + Family**	$339.51	$275.31

Kaiser (for employees in Hawaii)

Plans & coverage tiers	Weekly rates*
EE Only	$12.86
EE + Spouse/Partner**	$143.33
EE + Child(ren)**	$110.90
EE + Family**	$205.81

*Rates do not include relevant surcharges.

**Includes partner and/or partner’s child(ren).

Learn More

Download the Aetna Health app