Tools to help you choose

Choosing the right plans matters to your health and your wallet. Use these resources to learn about your benefits and select the right options for you and your family.

icon
Use these tools as you enroll

Which plans are the right fit?
Look for these tools as you’re enrolling on the Chubb Benefits Marketplace — they’ll make it easier to decide.

  • Best match suggestions – As you complete your profile, be sure to answer a few simple questions about your needs and preferences. Then, when you go through the enrollment process, the site will flag the plan(s) that may be a “best match” for you.
  • Plan compare – On the Choose your medical plan page, check the Compare box next to each plan you want to look at, then click the Compare Plans & Estimate Your Cost button to see up to four medical plans side by side.
  • Cost estimator – As you review your options on the Choose your medical plan page, each medical plan shows an Estimated Annual Cost (your paycheck premiums + out-of-pocket costs for care) based on US averages. You can use the sliders in the Personalize your estimated cost box on the top of the page to adjust these annual cost estimates based on your specific health care needs. You can also estimate your tax savings from using an HSA or FSA.
  • DocFinder – Click the Find a Doctor or Hospital link on the left side of the Choose your Medical plan page to search for providers and facilities that meet your criteria. After entering your ZIP code, you can narrow down your results by distance, network, specialty, language, hospital affiliation, group affiliation, city, county, or gender. You can also choose to show only providers who are accepting new patients.
icon
For personal assistance

Licensed benefits counselors are ready to help
Licensed benefits counselors are available Monday through Friday, 7 am to 9 pm ET.

  • Call toll-free: 1-844-58CHUBB (1-844-582-4822), option 5. If you find yourself waiting on hold, use the call-back feature — it keeps your place in line, and a licensed benefits counselor will call you directly when it’s your turn.
  • Chat online: Chubb Benefits Marketplace. Chat with a live licensed benefits counselor, or use the ChatBot to get answers to commonly asked questions when it's after hours.

Enrollment checklist

Use this checklist to help you enroll in your health and insurance benefits.

  • Learn about your benefits by using Craft Your Benefits as your digital guide.
  • Think about your coverage needs, including how much health care you anticipate needing and whether your life and disability insurance provides enough protection.
  • Make sure your dependent information is correct and all your dependents are eligible.
  • Consider your FSA and HSA contribution amount. Select an amount that will help you pay for your anticipated health care expenses with tax-free money. Learn how these accounts save you money.
  • Name your beneficiaries. Be sure to name a life insurance beneficiary during the enrollment process. Don’t forget your 401(k) beneficiary, too, which requires logging on to your retirement plan website.
  • Complete your benefits enrollment on the Chubb Benefits Marketplace by the deadline.
icon
Think about the whole cost

When choosing a medical plan, it’s important to think about the whole cost of coverage — the amount you’ll spend out of your paycheck, as well as out of your pocket (copays, deductibles, and coinsurance). You’ll see your total costs when you enroll on the Chubb Benefits Marketplace.

Top five questions

1. When do I enroll in benefits?
Get enrollment details here.

2. How are the medical plans different?
The key difference between the plans is how much you pay in paycheck premiums and how you pay for services throughout the year. Consider how you prefer to handle costs. Would you rather:

  • Pay extra from your paycheck for a medical plan that covers more of your costs when you need care? If so, the $400 or $900 Deductible Plan might be a good choice.
  • Pay as little as possible from your paycheck — even if that means bigger bills when you need care? If this describes you, the $1,850 or $2,850 Deductible Plan may be a good fit.

Compare the plans here.

3. What’s included in my free preventive care?
In-network preventive care is fully covered under all of Chubb’s medical plans, so you pay nothing. These services include:

  • Well-baby care
  • Immunizations
  • Annual checkups
  • Pap tests
  • Tests for cholesterol and blood pressure
  • Mammograms
  • Prostate screenings
  • Colorectal screenings
  • Bone density (over 60)

Learn more about your preventive care benefits.

4. What’s the difference between the Health Care Flexible Spending Account (FSA) and the Health Savings Account (HSA)?
The way the Health Care FSA and the HSA work is largely the same — you contribute to your account through automatic, before-tax paycheck deductions, then use the money to pay for eligible health care expenses. However, there are some important differences. For example, unlike an FSA, all the unused money in an HSA rolls over year after year and is always yours to keep. This means you can use your HSA to save tax-free money for your future health expenses, even in retirement! Compare the accounts here.

5. I have questions about my benefits. Who do I contact?
Call 1-844-58CHUBB (1-844-582-4822), option 5, Monday through Friday from 7 am to 9 pm ET. Licensed benefits counselors are available to help you understand your options and make the right choices for your needs and budget. You can also get help using the online chat feature on the Chubb Benefits Marketplace. Click the “Live chat” icon to chat now with a licensed benefits counselor, or use the ChatBot when it’s after hours.