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
Refinery BORGER, TX
Medicare Enrollment: Oct. 15-Dec. 7, 2025
Borger
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, Dental, Vision
Lyra (replacing Aetna RFL/Talkspace)
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 and enroll. Your 2025 elections will carry over to 2026. Review your elections to ensure your eligible dependents are covered.
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 RMA-eligible 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.
NEW! Lyra Mental Health and Well-Being Resources (Lyra)
Lyra will replace Aetna RFL/Talkspace and RethinkCare. Lyra provides:
• Unlimited access to on-demand self-care tools and resources.
• Six free and confidential therapy or mental health counseling sessions for you and each of your eligible dependents.
• Appointments within two days and the opportunity to select from in-person and virtual options.
• Expert providers with diverse backgrounds across race, gender, identity and culture.
• Easy online appointment booking via the Lyra Health mobile app or online.
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.
Bayway Refinery LINDEN, NJ
Choose the Right Plan for You
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
Most other services
Centers of excellence
Lantern (back, hip, elbow, knee, bariatric**)
Preventive prescription drugs
$10 copay, after deductible
$50 copay, after deductible You pay 50%, after deductible
You pay 20%, after deductible You pay 50%, after deductible
You pay 10% for certain procedures, after deductible NA
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.)
Other network prescription drugs
GLP-1 prescription drugs
Specialty network prescription drugs
Medical monthly premium
• 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.
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
$60 copay You pay 50%, after deductible
You pay 20%, after deductible You pay 50%, after 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.
• 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: $635.30
You + Spouse/Domestic Partner: $1,378.34
You + Child(ren): $1,378.34
You + Family: $1,905.81
You Only, Spouse Only or Child(ren) Only: $1,018.86
You + Spouse/Domestic Partner: $2,210.53
You + Child(ren): $2,210.53
You + Family: $3,056.56
* 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.
You Only, Spouse Only or Child(ren) Only: $5.12
You + Spouse/Domestic Partner: $5.12
You + Child(ren): $5.12 You + Family: $5.12
Lyra
Lyra monthly premium
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.
Phone number
Kaiser North HMO CA and Kaiser South HMO CA
Kaiser HMO Washington
Kaiser CA: 800-464-4000
Kaiser WA: 888-901-4636
You Only, Spouse Only or Child(ren) Only: $930.54
You + Spouse/Domestic Partner: $1,963.43
You + Child(ren): $1,963.43
You + Family: $2,717.17
You Only, Spouse Only or Child(ren) Only: $1,024.22
You + Spouse/Domestic Partner: $2,161.11
You + Child(ren): $2,161.11
You + Family: $2,990.73
DENTAL
Dental options are provided through the MetLife PDP Plus network. Coverage includes regular checkups, as well as basic, restorative, major and orthodontia services.
Review the MetLife PDP Plus network dental providers here, then click on “Find a dentist,” select PDP Plus, then add your ZIP code.
Preventive Covered at 100% Covered at 80% Covered at 100% up to plan limits
Basic services You pay 20%, after deductible You pay 50%, after deductible You pay 20%, after deductible up to plan limits
Major services You pay 50% after deductible, up to plan limits You pay 50%, after deductible up to plan limits
Orthodontia Covered at 50% up to $2,000 lifetime maximum per person
Monthly premium
You Only, Spouse Only or Child(ren) Only: $45.90 You + Spouse/Domestic Partner: $92.93
You + Child(ren): $102.77
You + Family: $148.69
* Available to employees without access to at least 2 dentists within 10 miles of their home ZIP code.
VISION
Through the company-provided basic option, you and your family receive routine eye exams at no cost. You may also receive discounts on other services from VSP network providers. You can elect a higher level of coverage through the comprehensive option described in the chart below.
Your 2025 vision election will carry over to 2026 if no action is taken. Basic Option
Exam
Frames
Covered at 100%
Discounts available
Contact lenses Not covered
Contact lens fitting
Lenses —
Single vision, bifocal, trifocal, lenticular
Lens options — Progressive, anti-reflective, polycarbonate**
Discounts available
Discounts available
Covered at 100% (under the company-provided basic option)
$220 annual allowance*
$200 annual allowance*
Covered at 100%
Covered at 100% one-time annually
Monthly premium
Discounts available
You Only, Spouse Only or Child(ren) Only: $0.82 You + Spouse/Domestic Partner: $1.47 You + Child(ren): $1.46 You + Family: $2.33
* The annual allowance is for either frames or contact lenses in the calendar year, but not both.
Member pays VSP Preferred Pricing
You Only, Spouse Only or Child(ren) Only: $11.63 You + Spouse/Domestic Partner: $21.14 You + Child(ren): $21.05 You + Family: $33.66
** Polycarbonate lenses are covered in full for dependent children through the end of the month in which they turn age 26. For all other participants, they are covered at a discounted rate.
To learn more or to find a network vision provider, visit the Phillips 66 VSP website. Enter your ZIP code to find a doctor.
AND ACTIONS
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 and enrollment are available at Phillips 66 | MetLife.
O’Connor Gas Plant KERSEY, CO
CONTACTS
Aetna Medical
BCBSTX Medical
855-267-4184
855-594-4233
aetna.com
bcbstx.com/phillips66
Color Cancer Screenings 844-352-6567 color.com/phillips66
CVS Caremark Prescription Drugs
Included Health Doctor Search and Expert Opinion
Kaiser CA Medical
Kaiser WA Medical
Lantern Medical
888-208-9634
844-339-6732
caremark.com
Includedhealth.com/phillips66
800-464-4000 kp.org
888-901-4636 kp.org
833-423-3068
My.lanterncare.com
Lyra External EAP 877-390-4980 phillips66.lyrahealth.com
MetLife Dental
855-837-6381
MetLife Home/Auto (Farmers) 855-567-6605
MetLife Pet Insurance
metlife.com
www.metlife.com/info/phillips66/
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
Teladoc Health Virtual Primary Care and Telemedicine
888-492-1860
Aetna phone: 855-835-2362 BCBS phone: 800-835-2362
join.swordhealth.com/phillips66
Aetna website: https://www.teladochealth.com/benefits/aetna BCBS website: Teladoc.com/bcbstx
Virta Weight and Diabetes Management Program http://virtahealth.com/
VSP Vision
800-877-7195 phillips66.vspforme.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.
Providing Energy. Improving Lives.
MISSION | what we do 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.