Overview

Your health is everything. Chubb provides valuable benefits that help you and your family stay healthy and pay for care if you get sick or injured.

2019 medical plans

Chubb offers four medical plans with a range of coverage levels and costs, so you can choose the option that’s right for you. When you enroll — either as a new hire, during Annual Enrollment, or if you have a qualifying life event — use the built-in tools on the Chubb Benefits Marketplace to find the plan that works for you.

Plan Description
$400 Deductible Plan This plan offers the greatest predictability of costs — with the lowest deductible and copays for doctor’s visits and prescriptions — as well as the highest paycheck premiums.
$900 Deductible Plan This plan has a lower deductible and higher paycheck premiums, which reduces your out-of-pocket responsibility when you need health care.
$1,850 Deductible Plan This plan has a higher deductible, lower paycheck premiums, and a tax-free Health Savings Account (HSA) that you own for life. In this plan only, Chubb contributes to your HSA to help you cover costs!
$2,850 Deductible Plan This plan has the lowest paycheck premiums, highest deductible, and a tax-free Health Savings Account (HSA) that you own for life. It’s similar to the $1,850 Deductible Plan but does not include HSA contributions from Chubb.
Compare the plans
See your paycheck premiums

Key features

All of Chubb’s medical plans offer:

  • In- and out-of-network benefits — but you’ll save money when you stay in network. Find in-network doctors.
  • Comprehensive coverage for a wide range of health care services. Tip: If you want extra protection from large or unexpected medical expenses, you may also choose to enroll in supplemental medical coverage.
  • Free in-network preventive care, with services such as annual physicals, recommended immunizations, and routine cancer screenings covered at 100%. See more covered preventive services.
  • Choice of carriers:
    • Aetna (choice of network)
    • Aetna: Choice of network

      If you choose Aetna as your carrier, depending on where you live, you may have the option to choose either the Premier Care network or the Choice POS II network. This means even more flexibility to choose the coverage that fits your needs. Learn more below.

      To search for providers in Aetna’s Premier Care and Choice POS II networks, visit Aetna’s provider directory.

      Premier Care network – A smaller, quality network with lower premium costs
      Available in certain locations, the Premier Care network is a subset of physicians in the Choice POS II network. If you select this smaller network, your paycheck premiums will be lower than if you choose the Choice POS II network. If you go to a doctor outside the network, your visit will be billed as out-of-network, even if that doctor participates in the broader Choice POS II network.

      You may want to choose the Premier Care network if…
      Most of the providers you use today are in that network, you don't currently have a personal provider, or you're looking to maximize your take-home pay.

      Choice POS II network – A broader network if you need it
      The Choice POS II network gives you a larger network of doctors to choose from. If you select this network, your paycheck premiums will be higher than if you choose the Premier Care network.

      If you choose the Choice POS II network, your out-of-pocket costs will be lower if you use any doctor in that network (including doctors in the High Performance network). All other providers are considered out-of-network, and you'll pay more for care.

      You may want to choose the Choice POS II network if…
      Most of the providers you use today are not in the Premier Care network.

    • Horizon Blue Cross Blue Shield
    • Additional options if you live in CA, VA, or HI
    • Additional carriers based on where you live:

      • Optima (Virginia only)
      • Kaiser (California only)
      • HMSA (Hawaii only, and your plan is different from those listed here; see the Chubb Benefits Marketplace for details)
  • Prescription drug coverage. You can get prescriptions from a retail pharmacy (like a local grocery store or drugstore) or by mail. The amount you pay depends on the type of drug and how you purchase it. Your prescription benefits are provided by:
    • Express Scripts if you choose Aetna, Horizon Blue Cross Blue Shield, or Optima as your carrier.
    • Kaiser or HMSA if you choose Kaiser or HMSA.
iconMany ways to be well

Use your free in-network preventive care, the Ensure Your Health Wellness Program, and the tools and resources we provide to take care of your health and your wallet.

Plan comparison

Below is an overview of in-network coverage under the medical plans. For complete details, visit the Chubb Benefits Marketplace. You’ll see plan information and your costs as you enroll. You can also access plan summaries in the website’s Resource Center.

$400 DEDUCTIBLE PLAN $900 DEDUCTIBLE PLAN $1,850 DEDUCTIBLE PLAN $2,850 DEDUCTIBLE PLAN
HSA-eligible No No Yes Yes
Annual HSA contribution from Chubb n/a n/a $500 individual/
$1,000 family
No
Annual deductible (individual/family) $400/$800 $900/$1,800 $1,850/$3,700* $2,850/$5,700
Out-of-pocket maximum (individual/family) $2,200/$4,400 $4,800/$9,600 $3,500/$6,500* $5,500/$11,000
Coinsurance You pay 20%,
plan pays 80%
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/$40 copay 20% after deductible 20% after deductible 30% after deductible
Telemedicine visit
Varies; see your costs
Urgent care visit $50 copay 20% after deductible 20% after deductible 30% after deductible
Emergency room visit 20% after $150 copay 20% after deductible 20% after deductible 30% after deductible

*The Kaiser $1,850 Deductible Plan has some variations to these features. Please refer to plan details on the Chubb Benefits Marketplace.

iconFind your best match

The Chubb Benefits Marketplace shows your paycheck costs and coverage for each plan, giving you the information you need to decide which one is right for you. And, if you answer a few simple questions, you’ll see which plan may be a “best match” for your needs and preferences.

$400 Deductible Plan

The $400 Deductible Plan offers the lowest out-of-pocket costs in exchange for the highest paycheck premiums. It may be a good fit if you’d rather pay more from your paycheck for a plan that covers more of your costs when you need care.

How the $400 Deductible Plan works

You pay the plan premium from your paycheck to have coverage.

 

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Copay

You pay a small fee at the time of service for doctor visits and prescriptions.

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Deductible

For care that doesn’t charge a copay, such as hospital services, you pay 100% of the cost until you meet the annual deductible.*

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Coinsurance

After meeting the deductible, you and the plan share the cost of certain services, with the plan paying the majority.

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Out-of-Pocket Maximum

You're protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.*

Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.

*Covering dependents? See how your family’s expenses accumulate toward the deductible and out-of-pocket maximum. Learn more.

$900 Deductible Plan

The $900 Deductible Plan offers lower out-of-pocket costs in exchange for higher paycheck premiums. With this plan, your costs are more predictable, but you’ll likely still have out-of-pocket expenses.

How the $900 Deductible Plan works

You pay the plan premium from your paycheck to have coverage.

 

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Deductible

You pay 100% of your medical costs until you meet the annual deductible.* (The deductible does not apply to prescriptions.)

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Coinsurance

After meeting the deductible, you and the plan share the cost of covered services, with the plan paying the majority. Your prescriptions have no deductible — you simply pay the coinsurance.

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Out-of-Pocket Maximum

You're protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.*

Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.

*Covering dependents? See how your family’s expenses accumulate toward the deductible and out-of-pocket maximum. Learn more.

$1,850 and $2,850 Deductible Plans

The $1,850 and $2,850 Deductible Plans combine low-premium, high-deductible coverage with a tax-free Health Savings Account (HSA) that helps you save for future medical expenses. And, if you enroll in the $1,850 Deductible Plan, Chubb will contribute to your HSA* — $500 for employee-only coverage or $1,000 if you cover dependents. Any money left in your HSA carries forward from year to year and is always yours to keep.

*You must enroll in and agree to the terms and conditions of the HSA to get the Chubb contribution.

How the $1,850 and $2,850 Deductible Plans works

You pay the plan premium from your paycheck to have coverage.

 

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HSA

You can set aside tax-free money from your paycheck to help cover your costs — now, or in the future. Get HSA funding from Chubb if you choose the $1,850 Deductible Plan.

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Deductible

You pay 100% of your medical and prescription costs until you meet the annual deductible.*

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Coinsurance

After meeting the deductible, you and the plan share the cost of covered medical care and prescriptions, with the plan paying the majority.

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Out-of-Pocket Maximum

You're protected by an annual limit on costs — the plan pays 100% of any further covered expenses for the rest of the year.*

Keep in mind: You pay nothing for in-network preventive care — it’s covered in full.

*Covering dependents? The way you and your family members meet the deductible and out-of-pocket maximum works differently between the two plans. Learn more.

 

Covering dependents?

How do I.... In the $1,850 Deductible Plan In the $400, $900, and $2,850 Deductible Plans
Meet the deductible? You must spend $3,700 (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.
Meet the out-of-pocket maximum? You must spend $6,500 (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.

 

iconMoney-saving tips
  • If you enroll in the $400 or $900 Deductible Plan, you can contribute to a Health Care Flexible Spending Account (FSA) on a pre-tax basis to pay for your out-of-pocket health costs at a discount. With this account you can carry over up to $500 to the next calendar year, but amounts over that will be forfeited.
  • If you enroll in the $1,850 or $2,850 Deductible Plan, use your Health Savings Account (HSA) to get the same tax savings as an FSA. The HSA has an added advantage because all your money carries forward each year — you can spend it anytime, even in retirement. And remember, if you enroll in the $1,850 Deductible Plan, Chubb helps fund your HSA to help you cover costs.

Telehealth

With Chubb’s convenient telehealth benefits, you and your family members can visit a doctor or nurse without leaving your house — no appointment needed! It’s a fast, affordable way to get medical care and advice for a wide variety of common health conditions. See the table below to learn about the telehealth services available to you.

iconWhen should I use telehealth?

Telehealth is a great option for non-emergency medical issues when …

  • Your doctor’s office is closed.
  • Your child has a fever at 2 am.
  • You think you have the flu, but you’re feeling too ill to drive.
  • You’re traveling or on vacation.
  • It’s after business hours or on weekends.

 

Virtual visits Nurse line
Aetna

Teladoc

Board-certified physicians and licensed therapists consult with you via web, phone, or mobile app.

  • Available: 24/7 for medical visits; video visits by appointment for behavioral health.
  • Cost: $40 per general medical visit; $75 per dermatology visit; $80 per psychologist, social worker, counselor, or therapist session; $160 for initial psychiatrist session and $90 for each additional session. Credit card required for billing before virtual visit can be scheduled.
  • Access it: Go online, download the app, or call 1-855-835-2362.

Informed Health® Line

Registered nurses provide information on virtually any health topic.

Horizon Blue Cross Blue Shield

Horizon CareOnline

Board-certified physicians and licensed therapists consult with you via web, phone, or mobile app.

  • Available: 24/7 for medical visits; by appointment seven days a week from 7 am–11 pm for behavioral health.
  • Cost: $39 per consult; additional cost may apply for behavioral health. Credit card required for billing before virtual visit can be scheduled.
  • Access it: Go online, download the app, or call 1-877-716-5657. In all cases, use service key Chubb.

24/7 Nurse Line

Registered nurses provide advice and answer your health questions.

Optima (Virginia only)

MDLIVE

Board-certified physicians and licensed therapists consult with you via web, phone, or mobile app.

  • Available: 24/7.
  • Cost: Same as a PCP visit — $20 under the $400 Deductible Plan, and $39 under the $900, $1,850, and $2,850 Deductible Plans.
  • Access it: Log in to your MyOptima account and register for MDLIVE, download the app, or call 1-866-648-3638.

Nurse Advice

Registered nurses provide advice and answer your health questions.

Kaiser (California only)

Telephone Appointments

Board-certified physicians consult with you by phone for minor health conditions.

  • Available: By appointment for patients who’ve had at least one in-person visit.
  • Cost: You pay the full cost of services up to deductible; after meeting deductible, no additional fee is charged.
  • Access it: Call a location near you or log in to your account.

Advice Nurses

Registered nurses provide advice and answer your health questions.

HMSA (Hawaii only)

HMSA Online Care

Board-certified physicians and other health care providers consult with you via web or mobile app.

Support for serious illnesses

iconGuided cancer care program

Through our partnership with the Memorial Sloan Kettering (MSK) Cancer Center, you and your family members have access to MSK Direct, a program that provides guided access to exceptional cancer treatment. MSK Direct will connect you to expert care from an experienced, compassionate team of cancer specialists while providing practical and emotional support along the way.

Contact MSK Direct if you or a family member:

  • Is diagnosed with cancer and wants to explore options for treatment at MSK.
  • Receives results from a medical test or exam that indicate a suspicion of cancer.
  • Would like a second opinion (virtual or in-person) on a cancer diagnosis or care plan.
  • Is in cancer treatment elsewhere and would like to consult with an MSK specialist about possible options.

MSK Direct will:

  • Schedule your initial appointment at MSK (usually within two business days) and help gather the necessary medical records.
  • Meet you at your initial appointment to provide support, help with logistics, and introductions to your clinical team.
  • Facilitate virtual second opinions if you’re unable to travel to MSK (out-of-pocket fees apply).
  • Recommend a local facility if you live far from MSK and prefer to be treated closer to home.

Access MSK Direct:

Call 1-833-825-4561, Monday through Friday from 8:30 am to 5:30 pm ET. There’s no need to enroll and no cost for using this program — you are responsible only for standard out-of-pocket costs (such as coinsurance and deductibles) for medical services received from MSK. Contact your medical carrier to learn how your plan covers care at MSK.

iconDiabetes care program

Included with medical coverage for Aetna, Horizon Blue Cross Blue Shield, and Optima members

If you or a covered family member has diabetes, Chubb’s diabetes care program through Express Scripts can help make your life easier — and healthier. By enrolling in this optional program, you will receive a smart glucose meter and the support of a diabetes care team, all at no cost to you. Your smart meter will automatically track your readings, which enables Express Scripts pharmacists to support you in staying healthy.

How it works:

  1. Enroll in the program. If you or a covered family member has diabetes, you may receive a letter from Express Scripts with an activation code to use when enrolling. Use this code to sign up at es-diabetes.com. In less than three minutes you’ll be done, and Express Scripts will mail your OneTouch Verio Flex® glucose meter with instructions. To learn more or enroll by phone, call 1-855-723-6099.
  2. Test with your smart glucose meter. The results from your meter will automatically sync with your smartphone.
  3. Enjoy added peace of mind. A diabetes specialist pharmacist monitors your blood sugar and offers support when you need it.
iconPulmonary care program

Included with medical coverage for Aetna, Horizon Blue Cross Blue Shield, and Optima members

Are you or a covered family member being treated for asthma or COPD? Specialized support is available at no cost to you. Take care of your health with the pulmonary care program provided through Express Scripts.

The program includes:

  • Telephone support from pulmonary specialist pharmacists who can answer your questions about drug interactions, side effects, and more.
  • Convenient 90-day supplies of your inhaled pulmonary medications — you’ll need to:
    • Get your medication delivered to your door, with free shipping, from the Express Scripts Pharmacy, OR
    • Pick it up from a participating Walgreens pharmacy.
  • Additional support for high-risk patients ages 12 and older who are prescribed a controller inhaler:
    • These patients will be offered a remote monitoring device to help optimize their medication use and maximize their health.
    • If monitoring shows that patients are overusing their rescue inhalers or not adhering to their medications, an Express Scripts pulmonary pharmacist will reach out to provide personal assistance.

Getting started:
If you are eligible to participate, you will receive a letter from Express Scripts with more information.

Find a doctor

Using in-network providers saves you money (see why). Here’s how to find doctors in your medical plan network.

Use DocFinder

If you have multiple carrier options, use DocFinder on the Chubb Benefits Marketplace to search for providers in the Aetna, Horizon Blue Cross Blue Shield, and Optima networks. Here’s how:

  • Follow the enrollment prompts until you get to the Choose your Medical plan page.
  • Click on Find a Doctor or Hospital on the left side of the page. This launches the Provider Lookup tool.
  • Enter your ZIP code.
  • Enter your search criteria to find the type of provider you're looking for.
  • You can narrow your results by choosing a medical carrier, specific 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.

Or, visit your medical carrier's website

You can also go directly to your carrier’s website to find in-network providers. For instructions, select your carrier below.

iconAetna
  • Visit Aetna’s provider directory.
  • You can search as a member by logging in to your Aetna account or search as a guest. When prompted to select a plan, you can select either “Aetna Choice® POS II (Open Access)” or “Aetna Premier Care Network (APCN).”
iconHorizon Blue Cross Blue Shield
  • Visit Horizon Blue Cross Blue Shield.
  • Click “Doctor & Hospital Finder,” then select your network:
    • Network Blue (FL)
    • Horizon Direct Access (NJ)
    • Empire POS (NY)
    • BlueCard® PPO (all other states)
iconOptima (VA only)
  • Visit Optima.
  • Click “Find Doctors, Drugs and Facilities,” then select what you are looking for (doctor, hospital, urgent care, etc.). When you’re searching for a doctor and prompted to select a plan, choose “Optima POS and POSA” as your plan.
iconKaiser (CA only)
  • Visit Kaiser.
  • Click "Find doctors and locations," choose your region, and enter your search criteria.
iconHMSA (HI only)
  • Visit HMSA.
  • Click "Find a Doctor" at the top of your screen, and enter your search criteria. Select “Preferred Provider Plan (PPO)” as your plan.

365 HUB

If you enroll in a Chubb medical plan, you may also choose to enroll in 365 HUB.

How can 365 HUB help you?

365 HUB is like a concierge service for health care! It provides one-on-one support, online and by phone, to assist you with your health care needs and help you make informed decisions year-round. You can get help with things like:

  • Finding the right doctors
  • Comparing costs and doctor quality ratings
  • Detangling medical bills and claims issues
  • Getting expert second opinions
  • And more

You can enroll in 365 HUB on the Chubb Benefits Marketplace as a new hire, during Annual Enrollment, or if you have a qualifying life event. Click the features below to learn more about 365 HUB services. You can access the 365 HUB by visiting the Chubb Benefits Marketplace and clicking the “365 Hub” link in Quick Links or the link in the features section.

iconGet a health advocate

365 HUB has a team of registered nurses, medical directors, and benefits and claims specialists who work together to assist you and your covered family members. A personal health advocate who knows your benefits can help you:

  • Find the right doctors
  • Schedule appointments quickly
  • Resolve health care billing and insurance claims disputes
  • Secure elder care with confidence, including answering Medicare questions
  • Work seamlessly with insurance providers
  • Transfer medical records promptly and securely
iconCompare prices

If you enroll in 365 HUB, you’ll have access to an easy-to-use online tool called Health Cost Estimator+. Use this tool to see what you can expect to pay for medical procedures at different locations, based on the medical plan you’re enrolled in. It helps you compare prices so you can make the right choice for your needs and budget.

Why does this matter? The cost of health care services can vary widely, even within the same geographic area and health plan. Here are a few examples:

  • Knee replacement: $15,800–$42,363+
  • MRI: $660–$4,250+
  • Colonoscopy: $769–$5,660+
iconCompare doctor quality

Choosing the right doctor is easier with 365 HUB, which lets you review quality scores of doctors in your area based on your condition and needs. Scorecards include:

  • Physician performance scores
  • Quality analysis
  • Experience and outcomes ranking
  • Evaluations based on billions of doctor-patient interactions
iconGet expert medical opinions

When you’re faced with a serious or complex health issue, it helps to get a second opinion and learn more about your condition as well as your options. You and your covered family members have access to experts through 365 HUB. You can get:

  • An in-depth review of your medical case by an experienced specialist
  • Expert advice about medical treatment to help you make confident decisions
  • Assistance finding specialists near you

Money-saving tips

Choices you make impact your health and your wallet. Get the most value from your medical plan and spend less on health care by following these tips.

iconUse in-network providers

They’ve agreed to charge only up to negotiated rates and bill your insurance company directly, which saves you money and time. Also, check with your medical plan carrier to ensure that a service is covered before you receive care. Learn about the advantages of staying in-network.

iconKeep up with preventive care

It’s covered in full by all of our medical plans and can help detect and prevent potentially costly health issues early. You pay nothing for annual physicals, recommended immunizations, routine cancer screenings, and more when you see in-network providers.

iconUse tax-free money to pay for eligible health expenses

Contributing to a Health Savings Account (HSA) and/or a Flexible Spending Account (FSA) is easy and saves you money. You set aside before-tax dollars from your paycheck to use for your out-of-pocket costs. Keep in mind that with an HSA, you can only spend contributions that have actually been deposited into your account. And with an FSA, you can only carry over up to $500 of unused money in your FSA to the next year; you will forfeit amounts above $500.

iconShop smart for prescriptions
iconTake advantage of  Ensure Your Health

Chubb’s wellness program, provided by Health Advocate, offers valuable resources to help you improve your health, which can prevent the need for costly care. From team challenges to health trackers, there’s something for everyone, all at no cost to you. Learn more and start using Ensure Your Health today.

iconUse your medical plan website

Log in to your plan’s website to see how much of your deductible you’ve met, review claims, find in-network providers, use helpful cost-estimating tools, and more.

iconChoose the right place to get care

Facilities charge different amounts for the same services, so think about your options when you or a family member needs medical attention. If it’s not an emergency, telehealth is often your least expensive and most convenient option. When telehealth isn’t appropriate, consider if you should go to your doctor, an urgent care clinic, or the emergency room.

iconConnect to your benefits on the go

Access and manage your benefits from anywhere with these apps, available for free on the Apple App and Google Play stores:

  • Mercer Marketplace Benefits App: Enjoy instant access to your personalized benefit details and coverage levels, benefit effective dates, covered dependents, and more. You can also enroll, process life events, and upload documents.
  • Mercer Marketplace Accounts App: View your HSA and/or FSA balances, upload receipts, review account activity, report a lost or stolen card, and contact customer service. You can also file Health Care FSA claims and see your HSA investment details.

Learn more about your benefits apps.