and Actions
AND ACTIONS
ANNUAL ENROLLMENT
Enrollment is Easy
From Oct. 29-Nov. 14, you can enroll quickly and easily online or over the phone.
Before enrolling, review the information in this guide to learn more about your 2026 benefits to help determine which options are best for you and your family. More information is available online at our Annual Enrollment page.
Option 1:
Enroll online at the Phillips 66 Benefits Center
• Using your computer or mobile device, go to the Phillips 66 Benefits Center and enter your Phillips 66 Benefits Center user ID and password.
• You may be prompted to update your password.
• Forgot your password? If you can’t remember your Phillips 66 Benefits Center user ID or password, click “Forgot User ID or Password” at the Phillips 66 Benefits Center login. The Phillips 66 Benefits Center phone number is 800-965-4421, and help is available from 8 a.m. to 6 p.m. Central time, Monday through Friday.
Option 2: Enroll by phone
Call the Phillips 66 Benefits Center at 800-965-4421, from 8 a.m. to 6 p.m. Central time, Monday through Friday.
DEADLINE: The Annual Enrollment window closes on Nov. 14. Be sure to enroll by the deadline.
Important Enrollment Dates
Phillips 66 Benefits
Annual Enrollment: Oct. 29-Nov. 14, 2025
Health Care Exchange: Nov. 1-Dec. 15, 2025
Borger Refinery BORGER, TX
Medicare Enrollment: Oct. 15-Dec. 7, 2025
Enroll Early!
You can change your enrollment elections as often as you want during the annual enrollment period. The annual enrollment period ends online at 11:59 p.m. Central time (or 6 p.m. Central time if you’re enrolling by phone) on Nov. 14. Your elections in the system at that time will be final for Jan. 1, 2026.
The Phillips 66 Benefits Center has enhanced security for assistance via phone.
Visit the Annual Enrollment page to learn more.
To ensure your privacy and quick assistance when you contact the Phillips 66 Benefits Center, your call must be secured. There are three ways to secure your call:
1 2 3
One-Time Code: The Phillips 66 Benefits Center can send a one-time code to the personal cell phone number you have on file. Be sure to keep your personal cell phone number updated in your Phillips 66 Benefits Center profile. The code can be used three times within 24 hours.
Alight Mobile App: Secure your call by approving a push notification via the Alight mobile app. Download or open the app and sign in using your Phillips 66 login credentials. If your device supports it, you can also authenticate your identity by using fingerprint or facial recognition.
• If you haven’t already, download the Alight mobile app from your device’s app store.
• Scan the QR code below to download the Alight mobile app (only iOS and Andriod supported at this time).
• Log in using the same credentials you use for Alight Worklife.
PIN: Log in or create an account on the external Phillips 66 Benefits Center website. After logging in, click the person icon in the top-right corner, navigate to Log On Information > Phone PIN > Change, then follow the steps to create or update your PIN.
Take Action
Annual Enrollment is your opportunity to make changes to your health and well-being coverage for 2026. If you wish to enroll or make coverage changes for 2026, you must take action online through the Phillips 66 Benefits Center by 11:59 p.m. Central time or by phone at 800-965-4421 before 6 p.m. Central time on Nov. 14, 2025.
Below is an overview of what you need to do and why you need to take action during Annual Enrollment.
Benefit
Medical
Voluntary Benefit — Pet
Voluntary Benefit — Farmers Auto and Home Insurance
What do you need to do? Why take action?
Review this guide. Review to ensure you have the right coverage for you and your family. If you don’t make changes, your 2025 elections will carry over to 2026.
Review this guide. If you don’t make changes, your 2025 elections will carry over to 2026. Visit Phillips 66 | MetLife for more information, to obtain a quote and enroll. New enrollment is effective immediately.
Review this guide. If you don’t make changes, your 2025 elections will carry over to 2026. Visit Phillips 66 | MetLife for more information, to obtain a quote and enroll. New enrollment is effective immediately.
Phillips 66 Retiree Medical Account
Retirees eligible for the Phillips 66 Retiree Medical Account (RMA) may use their credits to purchase medical, dental and vision coverage through the following options:
• Phillips 66 Retiree Medical Plan
• Continuous COBRA coverage
• Medicare premiums (Part B and D)
• The Exchange
• Coverage obtained outside the plan
You have the option to pay only a portion of your RMAeligible premiums using credits from your RMA. You can choose from 25%, 50%, 75% or 100% reimbursement for your coverage. Your RMA premium payment election will be applied to all RMA-eligible benefits in which you are enrolled.
Coverage Through The Exchange
In addition to the options described in this guide you may be able to purchase coverage through the health care exchange. The options available on the exchange will vary based on where you live. You can access resources to help identify options available to you by contacting Health Coverage Resources at healthcoverageresources.com/Phillips66/home Exchange enrollment: Nov. 1–Dec. 15, 2025.
Who is Your Beneficiary?
It’s important to update your beneficiaries from time to time to ensure they reflect your current wishes. While enrolling, be sure to check that the contact information (phone and address*) for your beneficiaries is updated in the Phillips 66 Benefits Center. To update your beneficiary for other benefits, review the Beneficiary Guide
* If their address differs from your own.
Health Benefits
Ferndale Refinery FERNDALE, WA
MEDICAL BENEFITS
Phillips 66 offers comprehensive medical benefit options providing coverage for preventive care, regular checkups and office visits, prescription drugs and more. The HDHP and PPO options are offered to eligible employees through either Aetna or BCBSTX, based on the employee’s home state.
Please review this information so that you and your family can understand the benefits available to you.
UPDATE! Deductible Changes
HDHP in-network and out-of-network deductibles will increase.
NEW! Teladoc Health
Teladoc Health is a more robust telemedicine experience that will be available for HDHP and PPO participants. Enhanced telemedicine services will include Virtual Primary Care (Teladoc 360), 24/7 Care (non-urgent, acute care), dermatology and mental health support.
The providers are U.S. board-certified doctors and nurse practitioners and are available 24/7. Teladoc providers diagnose, treat and prescribe medication.
For those enrolled in BCBSTX, MD Live will be discontinued Dec. 31, 2025. Participants will get more information from BCBSTX.
Aetna participants do not need to take any additional action.
NEW! Color
For participants enrolled in the HDHP and PPO plans, Color will offer at-home preventive screening kits for colorectal, cervical, skin and prostate cancers plus genetic testing that looks for inherited mutations that increase the likelihood of developing certain cancers.
Get help scheduling in-person, in-network cancer screenings like mammograms and colonoscopies.
Plus, gain access to virtual visits with a team of cancer experts who can help you navigate screening, treatment, logistical, financial and mental well-being concerns.
Cancer Care Resource Guide
Lantern
Lantern is an additional medical benefit for HDHP and PPO participants that provides you with access to excellent and affordable care for many planned surgical procedures (orthopedics, spinal surgery, general surgery, etc.). If you choose to use this service, you will work with a Lantern network provider, and the majority of the costs associated with your surgery will be waived. All bariatric surgeries require the use of a Lantern network provider.
NEW! In 2026, the PPO deductible for Lantern services will be waived.
Fertility Benefits
HDHP and PPO options include fertility benefits administered by Progyny. Progyny provides an inclusive family-building benefit for every unique path to parenthood. The benefit includes access to high-quality care through a premier network of fertility specialists and personalized emotional support and guidance from dedicated Patient Care Advocates. The benefit provides coverage for fertility treatments, medications, fertility preservation and donor tissue purchase.
Whether you are a patient, a survivor or a caregiver, Phillips 66 is part of your care team. The Cancer Care Resource Guide was created to support you and explain our benefits that specifically relate to cancer diagnosis, treatment, recovery and caregiver support.
PRESCRIPTION DRUG BENEFITS
The HDHP and PPO options include prescription drug benefits administered by CVS Caremark.
UPDATE! GLP-1 Prescriptions
Effective Jan. 1, 2026, the CVS Weight Management and Transform Diabetes Care programs will be replaced by Virta. Covered GLP-1 medications for weight loss must be prescribed by a Virta provider.
NEW! Virta
Virta is a new covered benefit for weight loss and diabetes management. With Virta, you can lose weight, lower your blood sugar and reverse diabetes using a nutrition-first approach.
Your benefit includes:
• GLP-1 prescribing for weight loss (following the CVS Caremark formulary).
• Digital weight scale and blood meter that syncs with your phone.
• One-on-one health coach to guide and support you.
How will I get my GLP-1 medication?
• For weight loss, GLP-1 medications must be prescribed by a Virta provider, and participants will be required to engage in the Virta weight loss programs.
• For diabetes and other FDA-approved medical conditions (sleep apnea, kidney disease, etc.), participants will continue to utilize their treating provider and obtain the medication through CVS Caremark.
If you have additional questions, please refer to this FAQ
REMINDER! Scripta Insights (Scripta)
Scripta is a supplemental savings program to CVS Caremark that helps you find your medications at the best price. Scripta provides:
• Easy-to-use comparison tools.
• Concierge services.
• Prescription savings.
• Proven therapeutic alternatives.
• Coupons for medications.
O’Connor Gas Plant KERSEY, CO
Choose the Right Non-Medicare Eligible Plan for You
To determine eligibility for Non-Medicare Eligible HMO, HDHP and PPO Plans, see Retiree Health SPD.
Annual deductible
Annual out-of-pocket maximum
Preventive medical care (deductible waived)
Employee only: $1,800
Employee + Dependents: $3,600
Employee only: $2,700 Employee + Dependents: $5,400
(Includes prescription drug costs)
Individual: $5,000* Family: $10,000
Covered at 100%
Individual: $15,000* Family: $30,000
Employee only: $850 Employee + Dependents: $1,700
Employee only: $1,675 Employee + Dependents: $3,350
(Excludes medical copays and prescription drug costs)
Individual: $5,000* Family: $10,000
(Includes deductible and eligible expenses covered by the plan)
$1,500 covered at 100%; you pay 50% thereafter
Doctor visits You pay 20%, after deductible You pay 50%, after deductible
Teladoc Health (Telemedicine)
Urgent care
$10 copay, after deductible
Covered at 100%
Individual: $15,000* Family: $30,000
$1,000 covered at 100%; you pay 50% thereafter
Primary care: $30 copay Specialist: $60 copay You pay 50%, after deductible
$15 copay
$50 copay, after deductible You pay 50%, after deductible $60 copay You pay 50%, after deductible
Most other services You pay 20%, after deductible You pay 50%, after deductible You pay 20%, after deductible You pay 50%, after deductible
Centers of excellence You pay 10% for certain procedures, after deductible NA
Lantern (back, hip, elbow, knee, bariatric**)
Preventive prescription drugs
Other network prescription drugs
Deductible applies Coinsurance waived NA
Generic preventive drugs and insulin: Covered at 100%; no deductible Brand preventive drugs: You pay 20% (Retail: $150 max.; Mail: $300 max.); no deductible
Retail 30 day (after deductible):
• Generic: $10 copay
• Preferred brand: You pay 20% ($150 max.)
• Non-preferred brand: You pay 35% ($300 max.)
Mail or Retail Maintenance Choice 90 day:
• Generic: $25 copay
• Preferred brand: You pay 20% ($300 max.)
• Non-preferred brand: You pay 35% ($600 max.)
You pay 100% of the discounted cost until you reach your annual deductible.
You pay 10% for certain procedures, after deductible NA
Deductible waived Coinsurance waived NA
No special provision for preventive prescription drugs
Retail 30 day:
• Generic: $10 copay
• Preferred brand: You pay 35% ($150 max.)
• Non-preferred brand: You pay 50% ($300 max.)
Mail or Retail Maintenance Choice 90 day:
• Generic: $25 copay
• Preferred brand: You pay 35% ($300 max.)
• Non-preferred brand: You pay 50% ($600 max.)
• Participants with FDA-approved medical conditions (diabetes, etc.): Covered if eligible under CVS.
GLP-1 prescription drugs
Specialty network prescription drugs
Monthly premium
• Participants utilizing GLP-1 for weight loss: GLP-1 prescriptions must be filled by Virta provider.
• Coinsurance/copay apply where applicable.
PrudentRx Specialty Drug Program
• Opt-in for $0 cost share for eligible medications (HDHP $0 cost share after deductible).
• 30% coinsurance if no participation.
You Only, Spouse Only or Child(ren) Only: $1,219.00
You + Spouse: $2,438.00
You + Child(ren) or Spouse + Child(ren): $1,585.00
You, Spouse & Child(ren): $2,804.00
You Only, Spouse Only or Child(ren) Only: $2,104.00
You + Spouse: $4,209.00
You + Child(ren) or Spouse + Child(ren): $2,736.00
You, Spouse & Child(ren): $4,840.00
* Once the individual out-of-pocket maximum has been met, covered services for that individual will be paid at 100%.
** For bariatric surgery, participants are required to utilize the Lantern network.
Medicare Eligibility
You must inform the Phillips 66 Benefits Center (1-800-965-4421) within 30 days if you or a covered dependent becomes eligible for Medicare for any reason. Your coverage options may change as a result of Medicare eligibility, and the Phillips 66 Benefits Center will help you understand those options.
More information is available at Phillips 66 Benefits Center.
Ferndale Refinery FERNDALE, WA
Kaiser HMO
Kaiser provides medical and prescription drug coverage from doctors and facilities participating in the Kaiser network.
If you live within a Kaiser service area in California or Washington, you can choose to enroll in the Kaiser HMO option. For coverage details, contact Kaiser.
Kaiser HMO Option
Phone number
Kaiser Northern HMO CA only and Kaiser Southern HMO CA only
Kaiser HMO Washington
Kaiser CA: 800-464-4000
Kaiser WA: 888-901-4636
You Only, Spouse Only or Child(ren) Only: $1,448.24
You + Spouse/Domestic Partner: $3,055.79
You + Child(ren) or Spouse + Child(ren): $3,055.79
You, Spouse & Child(ren): $4,228.86
You Only, Spouse Only or Child(ren) Only: $1,789.11
You + Spouse/Domestic Partner: $3,775.02
You + Child(ren) or Spouse + Child(ren): $3,775.02
You, Spouse & Child(ren): $5,224.20
Bayway Refinery LINDEN, NJ
VOLUNTARY BENEFITS
Pet, Auto and Home Insurance are offered through our partnership with MetLife.
Auto and Home Discount Insurance
Provided in partnership with Farmers Insurance, this benefit offers access to special group discounts on auto and home insurance. Enroll online at Phillips 66 | MetLife. The benefit will be effective immediately upon enrollment. You can enroll at any time.
Pet Insurance
The MetLife Pet Insurance benefit will pay a portion, or the full cost, of veterinary treatment for an ill or injured pet. Enroll online at Phillips 66 | MetLife. The benefit will be effective immediately upon enrollment. You can enroll at any time.
More information is available at Phillips 66 | MetLife.
AND ACTIONS
CONTACTS
Aetna Medical
BCBSTX Medical
Color Cancer Screenings
CVS Caremark Prescription Drugs
Included Health Doctor Search and Expert Opinion
855-267-4184
855-594-4233
aetna.com
bcbstx.com/phillips66
844-352-6567 color.com/phillips66
888-208-9634
844-339-6732
caremark.com
Includedhealth.com/phillips66
Kaiser CA Medical 800-464-4000 kp.org
Kaiser WA Medical
888-901-4636 kp.org
Lantern Medical 833-423-3068 My.lanterncare.com
MetLife Home/Auto (Farmers)
855-567-6605 www.metlife.com/info/phillips66/
MetLife Pet Insurance 800-438-6388 www.metlife.com/info/phillips66/
Progyny Fertility Benefits
844-930-3340 https://progyny.com/
Scripta Supplemental Prescription Savings Program 866-572-7478 members.scriptainsights.com
Sword Health MSK and Women’s Health Resources 888-492-1860 join.swordhealth.com/phillips66
Teladoc Health Virtual Primary Care and Telemedicine
Aetna phone: 855-835-2362 BCBS phone: 800-835-2362
Aetna website: https://www.teladochealth.com/benefits/aetna BCBS website: Teladoc.com/bcbstx
Virta Weight and Diabetes Management Program http://virtahealth.com/
Health care reform requires Phillips 66 to provide you with a summary of benefits and coverage, available here
The SBC is a standardized document that highlights key provisions, limitations and exceptions.
Summary plan descriptions can be found at hr.phillips66.com
Zia II Gas Plant HOBBS, NM
MISSION | what we do
Providing Energy. Improving Lives.
VALUES | who we are
Start with Safety.
Go with Honor.
Deliver with Commitment.
OUR ENERGY IN ACTION | how we work
Work for the greater good.
Cultivate an environment of trust.
Seek different perspectives.
Pursue excellence.
VISION | where we’re going
Be the leading integrated downstream energy provider.
This communication may contain information regarding certain Phillips 66 compensation and benefits. The summary plan descriptions for the various benefit plans and other relevant terms and conditions provide more detailed information. Receipt of this communication does not guarantee eligibility for benefits or any other form of compensation. Phillips 66 reserves the right to correct any errors. If the information provided by this communication conflicts with the plan documents, the plan documents will prevail. Phillips 66 also reserves the right to amend, change or terminate its plans, any underlying contract or anyother policy or program, at any time without notice, at its sole discretion. This Communication applies only to nonrepresented employees, as well as represented employees where provided for under the terms of an applicable collective bargaining agreement.
