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Retiree Medical

Here is a high-level overview of the 2024 Retiree medical plan options.

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Important!

Eligibility

Generally, you are eligible for retiree medical benefits if you are 55 or older and have 10 or more years of Oxy service. If you enroll, you may also cover your

. Check the plan documents for other eligibility requirements that may apply. 

Costs

Oxy sets a base contribution rate for retiree medical coverage. Your cost will be one to four times the retiree base contribution, depending on your combined age and service at the time of your retirement and your Medicare eligibility status. See 2024 Retiree Health Care Rates.

Plan Options

Your retiree medical plan is based on your eligibility for Medicare and your dependents’ eligibility for Medicare. As a result, you and your dependents may have different retiree medical plans.

Oxy Medicare Advantage PPO Plan

You are age 65+ and/or eligible for Medicare. You may enroll in the Oxy Medicare Advantage PPO Plan (including prescription drug coverage) administered by Aetna if you meet all the following requirements:

  • You have a physical U.S. address. If you are living outside the U.S., you are not eligible for this plan, but you are eligible for the Oxy Retiree Medical Plan (see below). 
  • You are enrolled in Medicare Part A and Part B.
  • You provide OxyLink Employee Service Center with your Medicare ID number. Call the OxyLink Employee Service Center at
    800-699-6903    .

For details, review the Oxy Medicare Advantage PPO Plan Overview or go to the Oxy-Aetna Medicare website. 

Oxy Retiree Medical Plan

You are under age 65 and not eligible for Medicare.

  • The Oxy Retiree Medical Plan is administered by Aetna, with prescription drug coverage through Express Scripts.
  • You and your dependents will remain in this plan until becoming eligible for Medicare. At that time, if you meet plan requirements, you and your dependents will be eligible for the Oxy Medicare Advantage PPO Plan.

Here is a high-level overview of the 2024 Retiree Medical Plan. For details, review the Oxy Retiree Medical Plan SPD. 

Plan Features

  Network Non-Network
     
Annual Deductible
  • Individual: $400
  • Family: $800
  • Individual: $800
  • Family: $1,600
Annual Out-Of-Pocket Maximum
  • Individual: $2,500
  • Family: $4,500
  • Individual: $5,000
  • Family: $9,000

* If you were eligible for Medicare prior to January 1, 2020, refer to the Retiree Medical SPD for additional information.

Covered Services

  Network Non-Network
 

What You Pay
Office Visits
  • Primary care physician
  • Specialist
 20% after deductible 30% after deductible
Preventive Care
  • Adult routine physical
  • Well-childcare
    (up to age 18)
  • Mammography
  • PSA test
  • Cancer screenings
    (Cervical and Colorectal)
 100% covered, no deductible 30% after deductible
Acupuncture Care
(Up to 26 visits per year)		 20% after deductible 30% after deductible
Chiropractic Care
(Up to 26 visits per year)		 20% after deductible 30% after deductible
Hearing Aids
(Up to a $2,500 allowance
every three years)		 20% after deductible 30% after deductible
Infertility
(Lifetime limit: $20,000 medical; $10,000 prescription)		 20% after deductible 30% after deductible
Physical Therapy 20% after deductible 30% after deductible
Physician Home Visit 20% after deductible 30% after deductible
X-rays and Lab 20% after deductible 30% after deductible
Vision Exam
(one per calendar year)		 100% covered, no deductible 30% after deductible
Eyeglasses Aetna Discount Program Aetna Discount Program
Inpatient Hospital
  • Room and board
  • Ancillary changes
  • Special duty nursing
  • Intensive care, cardiac
    care units
 10% after deductible 30% after deductible
Skilled Nursing Facility
  • Room and board
  • Ancillary changes

(Limited to 120 days/calendar year)		 10% after deductible 30% after deductible
Surgery (Inpatient/Outpatient)
Note: Cosmetic surgery not covered unless medically necessary		 10% after deductible 30% after deductible
Mental Health/Substance
Abuse		 Inpatient (treatment must be certified): 10% after deductible
Outpatient: 20% after deductible		 30% after deductible
Emergency Room
(No benefits for non-emergency
use of emergency room)		 10% after deductible 10% after deductible
Other Services
  • Ambulance
  • Hospice care
  • Home health care
  • Durable medical equipment
  • Prosthetic devices
 20% after deductible 30% after deductible

Prescription Drugs

  Express Scripts
 

What You Pay

Deductible

 No deductible

Out-Of-Pocket (OOP) Drug Limit

 $1,500
Retail (up to 30-day supply)
Generic $10
Preferred Brand 25% after deductible; $10 min, $50 max
Non-Preferred Brand 25% after deductible; $25 min, $100 max
Mail Order (up to 90-day supply)
Generic $20
Preferred Brand 25% after deductible; $20 min, $100 max
Non-Preferred Brand 25% after deductible; $50 min, $200 max

Western New York Medical Plan

You live in Western New York, retired before December 31, 2015, and are not eligible for Medicare.

  • The Western New York Plan is administered by Blue Cross Blue Shield (BCBS). You must select a primary care physician to coordinate all your care.
  • In general, you must receive medical services from network providers.
  • You and your dependents will remain in this plan until Medicare eligibility. At that time, if you meet plan requirements, you and your dependents will be eligible for the Oxy Medicare Advantage PPO Plan.

For details, review the Western New York Medical Plan Overview or go to the BCBS of Western NY Website.