Post-65 Medical

​Post-65 Medical benefits 

Chubb offers the following options if you are Medicare eligible:

• New - Braven Health Medicare Advantage Prescription Drug (MAPD) plan offered through Braven Health, which is an affiliate of Horizon Blue Cross Blue Shield

• Senior Advantage Plan available in California only and offered through Kaiser

Post-65 Plan Coverage

In-network coverage

Plan features

Braven Health Medicare Advantage Plan

The Braven Health Medicare Advantage Prescription Drug (MAPD) plan is lowering health care costs for Medicare-eligible populations, offering benefits and extras that go beyond original Medicare, and delivering a better, easier health care experience. This less expensive alternative acts as your primary medical plan and includes prescription drug coverage that is administered through Prime Therapeutics, which is Braven Health’s pharmacy benefit manager (PBM). This means your prescription coverage will no longer be administered through Express Scripts.

The Braven Health MAPD also includes additional benefits that traditional Medicare doesn’t cover, such as hearing aids, vision, and access to a nurse hotline. If you are currently enrolled in the Horizon Medicare Supplemental Plan and do not take any action during Annual Enrollment, you will automatically be enrolled in the Braven HealthMAPD as of January 1, 2026.

Kaiser Senior Advantage Plan

If you live in California or Hawaii, you have the option to select medical plans through Kaiser Permanente. Kaiser takes an integrated managed care approach to health care. That means Kaiser is more than an insurance company; it also operates the hospitals and medical offices where you receive care.

Kaiser’s doctors, hospitals and health plans are all part of one team. That means your eye doctor can remind you if you’re overdue for a cancer screening. If you need to see a specialist, that specialist will have important information about your health before they even meet you in person. When you fill a new prescription, your pharmacist can make sure it’s safe to take with your other medications. The app you use to view your lab results is the same one you use to pay your bills.

Although coverage outside the Kaiser network is limited to emergency room visits only, this model enables Kaiser to deliver the right care faster—and help members avoid unnecessary visits, serious health conditions and many of the hassles associated with other kinds of medical plans.

Choosing medical providers

Braven Health Medicare Advantage Plan

The Braven Health Medicare Advantage Plan allows you to direct your own care. This means you can receive care from any doctor, specialist or hospital that you choose. The Braven Health MAPD delivers your Medicare Part A and B benefits, so your claims will not have to be processed through Medicare.

With the Braven Health MAPD, each enrolled member will receive an ID card that can be used when seeing a health care provider and for prescriptions. To find an in-network provider search the Doctor & Hospital Finder at BravenHealth.com/find-doctor or call Member Services at 833-272-8360.

Kaiser’s Senior Advantage Plan

Kaiser’s Senior Advantage Plan only pays benefits when you visit an in-network provider. To find providers in Kaiser’s network, visit www.kp.org, then click “Find a Doctor” and enter your search criteria.

Prescription drug coverage

Both post-65 options include prescription drug coverage.

Braven Health MAPD

Braven’s comprehensive plan includes prescription drug coverage with $0 deductible and coinsurance. Low-cost prescription tiers ensure you can get the medicine you need at an affordable price.

Note: Since the Braven Health plan includes prescription drug coverage, your prescriptions will no longer be administered through Express Scripts. Instead, prescription benefits will be managed through Prime Therapeutics, Braven Health’s pharmacy benefit manager (PBM). If you enroll in the Braven Health MAPD, your prescription drug coverage will be administered through Braven Health and Prime Therapeutics. For in-network pharmacies, visit MyPrime.com, click Pharmacies tab then click Continue without logging in. Select Braven Health in the first drop-down list and Braven Medicare Group w/RX (PPO) in the second drop-down list.

Kaiser Senior Advantage Plan

If you enroll in a medical plan through Kaiser, your prescription drug benefits are through Kaiser. You will use one identification card for both medical and prescription expenses.

Have questions about your Medicare coverage?

Speak with a customer service representative who can assist you with Medicare and other retirement-related questions. Please call the Chubb Benefits Service Center at 1-844-58CHUBB (1-844-582-4822).

You can view your personalized rates for these plans and enroll by visiting chubb.bswift.com or calling the Chubb Benefits Service Center at 1-844-58CHUBB (1-844-582-4822) to speak to a Retirement Specialist.

Medicare

The federal government provides you with health insurance during retirement—Medicare.

Medicare basics

Generally, you are eligible for Medicare if you are age 65 or older, or if you receive Social Security disability benefits, regardless of your age. Here are a few important things to note:

• If you retire when you are age 65 or older, you are immediately eligible for Medicare.

• If you retire before age 65, you become eligible for Medicare when you reach age 65.

• Once you are enrolled in Medicare, you have the option of signing up for a Medicare Advantage plan, like the Braven Health MAPD available through Chubb. You still keep your Medicare Part A (hospital insurance) and Part B (medical insurance), but instead of getting those benefits directly from the government, you get them through the insurance company. Medicare Advantage plans bundle all your Medicare coverage, including prescription drug coverage.

• Except for cases of Social Security disability, you are not Medicare-eligible if you are under age 65.

How Medicare and your Chubb medical benefits work together

Chubb is offering the Braven Health Medicare Advantage Prescription Drug plan (MAPD) as its option for medical coverage for post-65 retirees. As a Medicare Advantage plan, it works differently than a Medicare Supplemental plan. A Medicare Advantage plan is a type of Medicare health plan offered by private insurance companies, like Braven Health, that are approved by Medicare.

You still keep your Medicare Part A (hospital insurance) and Part B (medical insurance), but instead of getting those benefits directly from the government, you get them through the insurance company. You must stay enrolled in both Part A and Part B and continue paying your Part B premium, even when you join a Medicare Advantage plan.

It’s a “one card, one plan” that bundles your Medicare coverage (and often more). The Kaiser Senior Advantage Plan is also a Medicare Advantage plan and works in the same manner.

Medicare coverage Parts A and B—you must enroll when you are first eligible

You or a covered family member needs to enroll for both Parts A and B of Medicare when you first become eligible. If you do not sign up for Part B when you are first eligible, you may have to pay a late enrollment penalty for as long as you have Medicare. Your monthly premium for Part B may go up 10% for each full 12-month period that you could have had Part B but didn’t sign up for it.

Additionally, enrollment is necessary when first eligible to avoid a gap in coverage. For more information about your Medicare eligibility and to sign up for Parts A and B, call 1-800-MEDICARE (1-800-633-4227) or visit medicare.gov and click the “Get started with Medicare” button.

Other options for retiree medical coverage

Instead of Chubb medical coverage, you have the option of purchasing a Medicare supplemental policy directly from an insurance company. The types of plans you can purchase include Medigap policies and prescription drug plans offered through various health care providers, or you may choose a Medicare Advantage Plan. The premium for an individual plan may cost less or more than Chubb’s medical plans and may include features that Chubb’s medical plans do not have. For information on purchasing this type of retiree medical coverage, visit medicare.org.

If you or you and your spouse/partner are currently enrolled in Chubb's post-65 medical plan and choose to drop the medical coverage effective January 1, 2026, you may be required to provide your new medical carrier with a customized "Guaranteed Acceptance" and "Creditable Coverage" letter. Contact the Chubb Benefits Service Center to request these letters by calling 1-844-58CHUBB (1-844- 582-4822), Monday through Friday, 8 a.m. to 8 p.m. ET.

Need help understanding your Medicare plan choices and enrollment?

SmartConnect: Your Medicare concierge

Experts at SmartConnect can help you or your family members navigate Medicare options. They can:

• Offer Medicare education and guidance

• Compare Chubb plan with alternative Medicare plans

• Assist you with decision-making

• Help with enrollment and coordination with the carrier

You can call SmartConnect at 1-877-374-2705, Monday through Friday, 8:30 a.m. to 6 p.m. ET.

Fidelity Medicare Services

You also have access to the resources at Fidelity Medicare Services, which can assist with researching Medicare plan options and compare them with Chubb’s options for retiree health coverage, by phone or online. They can provide education on Medicare coverage that meets your personal needs and preferences.

Call Fidelity Medicare Services at 1-833-886-0033 Monday through Friday, 8:30 a.m. to 8 p.m. ET or visit online at fidelity.com.

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​Learn More 

• ​View SmartConnect flyer

• ​How to prepare for retirement

• Braven Health - Find an In-Network Provider

Premium Rates

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