Pre-65 Medical and Prescription Benefits

Chubb offers a range of medical plans, read below to learn more.

Pre-65 Medical Plans

Choosing a plan	Choosing a carrier	Choosing coverage
$900 Deductible Plan^* $1,850 Deductible Plan^(Aetna / Horizon) $1,800 Deductible Plan^(Kaiser) $3,300 Deductible Plan^*	Aetna Horizon Kaiser (California and Hawaii only)^*	Retiree Only Retiree + Spouse/Partner Retiree + Child(ren) Retiree + Family
How you pay for coverage and care	Carrier	Who you cover
$900 Deductible Plan This plan has a lower deductible and higher premiums, which reduces your out-of-pocket responsibility when you need health care. $1,850 Deductible Plan and $3,300 You pay lower premiums but more out of pocket when you need care. These plans work with a tax-advantaged health savings account (HSA).	When you choose your medical plan, you'll also choose your carrier. The provider search tool in Ask Emma will help you compare networks so you can make the best choice for you.	New dependents can't be added to coverage. Dependents must have been covered before you retired.

Choosing a plan

Choosing a carrier

Choosing coverage

$900 Deductible Plan^*
$1,850 Deductible Plan^*(Aetna / Horizon)
$1,800 Deductible Plan^*(Kaiser)
$3,300 Deductible Plan^*

Aetna
Horizon
Kaiser
(California and Hawaii only)^*

Retiree Only
Retiree + Spouse/Partner
Retiree + Child(ren)
Retiree + Family

How you pay for coverage and care

Carrier

Who you cover

$900 Deductible Plan

This plan has a lower deductible and higher premiums, which reduces your out-of-pocket responsibility when you need health care.

$1,850 Deductible Plan and $3,300

You pay lower premiums but more out of pocket when you need care.
These plans work with a tax-advantaged health savings account (HSA).

When you choose your medical plan, you'll also choose your carrier.

The provider search tool in Ask Emma will help you compare networks so you can make the best choice for you.

New dependents can't be added to coverage. Dependents must have been covered before you retired.

The plans available under Kaiser vary and they work a little differently than the other carriers’ plans. For details, visit the* Chubb Benefits Portal. The deductible in each plan’s name reflects retiree-only, in-network coverage.

Compare the plans (Aetna and Horizon)

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 Benefits	PPO Plan	High deductible plans
Plan Benefits	$900 Deductible	$1,850 Deductible	$3,300 Deductible
In-network
Annual deductible (retiree only/family)	$900/$1,800	$1,850/$3,700	$3,300/$6,600
Out-of-pocket maximum (retiree only/family)	$5,300/$10,600	$4,000/$8,000	$7,000/$14,000
Coinsurance	You pay 20%, plan pays 80%	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 (primary care/specialist)	20% after deductible	20% after deductible	30% after deductible
Telemedicine¹	$25 co-pay	$10 co-pay after deductible	$10 co-pay after deductible
Urgent care visit	20% after deductible	20% after deductible	30% after deductible
Emergency room visit	20% after deductible	20% after deductible	30% after deductible

Out-of-network coverage (Aetna and Horizon)

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 Benefits	PPO Plan	High deductible plans
Plan Benefits	$900 Deductible	$1,850 Deductible	$3,300 Deductible
Annual deductible (retiree only/family)	$3,000/$6,000	$3,700/$7,400	$6,400/$12,800
Out-of-pocket maximum (retiree only/family)	$10,600/$21,200	$8,000/$16,000	$14,000/$28,000
Coinsurance	You pay 40%, plan pays 60%	You pay 40%, plan pays 60%	You pay 50%, plan pays 50%
Medical care: Your costs
Preventive care	40% after deductible	40% after deductible	50% after deductible
Office visit (primary care/specialist)	40% after deductible	40% after deductible	50% after deductible
Urgent care visit	40% after deductible	40% after deductible	50% after deductible
Emergency room visit	20% after deductible	20% after deductible	30% after deductible

How the Medical Plans Work

No cost	Your cost	Shared cost	Cost limits
100% coverage for in-network preventive care Preventive care services, such as annual physicals, recommended immunizations and routine cancer screenings are fully covered by your plan as long as you stay in-network.	Annual deductible For most non-preventive care, you pay 100% of costs until you meet the annual deductible. There is one exception: In the $900 Deductible Plan, you and the plan share the cost of prescriptions right away, without needing to meet your deductible first. You'll pay a small percentage, with the plan paying the majority.	Coinsurance Once the deductible is met, you and the plan share any further health expenses until you meet the out-of-pocket maximum. NOTE: For the $1,850 Deductible Plan, you must spend $3,700 toward in-network expenses (the entire family deductible) before the plan begins to pay coinsurance for any family member. For this plan, the individual deductible does not apply.	Annual out-of-pocket maximums Each plan protects you by capping the total amount you'll pay each year for medical care. If you meet the out-of-pocket maximum, the plan pays 100% of your eligible expenses for the rest of the year.

No cost

Your cost

Shared cost

Cost limits

100% coverage for in-network preventive care

Preventive care services, such as annual physicals, recommended immunizations and routine cancer screenings are fully covered by your plan as long as you stay in-network.

Annual deductible

For most non-preventive care, you pay 100% of costs until you meet the annual deductible. There is one exception:

In the $900 Deductible Plan, you and the plan share the cost of prescriptions right away, without needing to meet your deductible first. You'll pay a small percentage, with the plan paying the majority.

Coinsurance

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

NOTE: For the $1,850 Deductible Plan, you must spend $3,700 toward in-network expenses (the entire family deductible) before the plan begins to pay coinsurance for any family member. For this plan, the individual deductible does not apply.

Annual out-of-pocket maximums

Each plan protects you by capping the total amount you'll pay each year for medical care. If you meet the out-of-pocket maximum, the plan pays 100% of your eligible expenses for the rest of the year.

Covering Dependents?

Learn how your family's expenses accumulate toward your annual deductibles and annual out-of-pocket maximums.

How do I...	If I'm covering dependents... Aetna and Horizon members	If I'm covering dependents... Kaiser California members
In the $1,850 Deductible Plan	In the $900 and $3,300 Deductible Plans	In the $1,800 Deductible Plan	In the $900 and $3,300 Deductible Plans
Meet the annual 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 is met, or for everyone when the family deductible is met.	You must spend $3,300 toward in-network expenses before the plan begins to pay coinsurance for any family member OR the plan begins to pay coinsurance for each family member when the family deductible ($3,600) is met.	The plan begins to pay coinsurance for each family member when their individual deductible is met, or for everyone when the family deductible is met.
Meet the annual 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 is met, or for everyone when the family out-of-pocket maximum is met.	You must spend $3,600 for any one member within a family enrollment, $6,450 for an entire family before the plan begins to pay 100% of covered expenses for any family member.	The plan begins to pay 100% of covered expenses for each family member when their individual out- of-pocket maximum is met, or for everyone when the family out-of-pocket maximum is met.

How do I...

If I'm covering dependents...

Aetna and Horizon members

If I'm covering dependents...

Kaiser California members

In the $1,850 Deductible Plan

In the $900 and $3,300 Deductible Plans

In the $1,800 Deductible Plan

In the $900 and $3,300 Deductible Plans

Meet the annual 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 is met, or for everyone when the family deductible is met.

You must spend $3,300 toward in-network expenses before the plan begins to pay coinsurance for any family member OR the plan begins to pay coinsurance for each family member when the family deductible ($3,600) is met.

The plan begins to pay coinsurance for each family member when their individual deductible is met, or for everyone when the family deductible is met.

Meet the annual 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 is met, or for everyone when the family out-of-pocket maximum is met.

You must spend $3,600 for any one member within a family enrollment, $6,450 for an entire family before the plan begins to pay 100% of covered expenses for any family member.

The plan begins to pay 100% of covered expenses for each family member when their individual out- of-pocket maximum is met, or for everyone when the family out-of-pocket maximum is met.

Dependent Eligibility

You must be enrolled in a plan yourself to cover dependents. Remember, you cannot add new dependents and can only cover those who were covered under your plans when you were an active employee.

If you experience a qualifying life event during the year, changes must be made within 30 days of your qualifying life event and are effective as of the date of the event. Events may include, divorce, death, change of residence that affects eligibility.

To make the change, visit the Chubb Benefits Portal and follow the instructions. You may also call the Chubb Benefits Service Center toll-free at 1-844-58CHUBB.

Find in-network providers

Search for providers in the Aetna, Horizon Blue Cross Blue Shield and Kaiser networks via your carrier's website.

Aetna	Horizon Blue Cross Blue Shield	Kaiser (California and Hawaii)
aetna.com/docfind Search as a member by logging into your Aetna account or search as a guest. When prompted to select a plan, you will pick "Aetna Choice POS II (Open Access)"	horizonblue.com/chubb Click "Doctor & Hospital Finder", then select your network based on the state in which you reside: Network Blue (Florida): JEE Horizon Direct Access (New Jersey): JEJ Empire POS (New York): JDJ BlueCard PPO (all other states): CBZ	kp.org Click "Find doctors and locations", choose your region and enter your search criteria.

Aetna

Horizon Blue Cross Blue Shield

Kaiser (California and Hawaii)

aetna.com/docfind

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

horizonblue.com/chubb

Click "Doctor & Hospital Finder", then select your network based on the state in which you reside:

Network Blue (Florida): JEE
Horizon Direct Access (New Jersey): JEJ
Empire POS (New York): JDJ
BlueCard PPO (all other states): CBZ

kp.org

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

In-network preventive care is no cost to you. Services such as annual physicals, recommended immunizations and routine cancer screenings are fully covered, so you pay nothing.

Take advantage of preventive care-at no cost to you

All our medical plans cover routine, preventive care services at 100% when you see an in-network provider. Preventive care services include, but are not limited to:

Children	Females	Males
Well-baby care Annual physicals Immunizations Flu shot Medical/family history and physical exam Blood pressure checks Vision screening	Pap tests Mammograms Annual physicals Immunizations COVID-19 vaccine Flu shot FDA-approved contraception Colonoscopy Medical/family history and physical exam Blood pressure checks Cholesterol (total and HDL) Diabetes mellitus:baseline for high-risk individuals	Colonoscopy Prostate cancer screening Annual physicals Immunizations COVID-19 vaccine Flu shot Medical/family history and physical exam Blood pressure checks Cholesterol (total and HDL) Diabetes mellitus:baseline for high-risk individuals

What Will You Pay

Your monthly premium depends on the medical plan you chose and dependents you cover. No action is needed If you are currently paying your monthly premiums through automatic deduction, sending a payment through the mail to bswift or from your pension payment (Legacy Chubb retirees).

If you enroll for the first time, you can arrange your payment through the Chubb Benefits Portal. For assistance, call the Chubb Benefits Service Center at 1-844-58CHUBB to speak to a Retirement Specialist.

Premium Rates

View medical premium rates

Pre-65 Medical