2027 BENEFITS ANNUAL E NROLLMENT FOR COBRA PARTICIPANTS
O C T. 2 8 – N OV. 1 3 , 2 0 2 6 HR.PHILLIPS66.COM
POWERING YOU
YOUR WELL-BE ING A ND RE WARDS
Coastal Bend Pipeline ROBSTOWN, TX
WELCOME TO YOUR 2027 BENEFITS GUIDE
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This guide is designed to help you understand your benefits and choose what’s right for you and your family during Annual Enrollment, happening Oct. 28-Nov. 13. Inside, you’ll find:
Enrollment Instructions and Actions
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Health Benefits
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Medical Benefits
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Dental Benefits
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Vision Benefits
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Voluntary Benefits
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Contact Information
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Review this guide carefully, including the plan options, costs and comparison charts, and be sure to log in to the Phillips 66 Benefits Center before Nov. 13 to make your selections. Subject to the eligibility provisions of each policy, these benefits apply to non-represented employees, as well as represented employees who are covered under the terms of an applicable collective bargaining agreement. For questions, reach out to the Phillips 66 Benefits Center online or via phone at 800-965-4421, 8 a.m. to 6 p.m. Central time, Monday through Friday.
PHILLIPS 66 ANNUAL ENROLLMENT BENEFITS GUIDE 2027
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Enrollment Instructions and Actions ANNUAL ENROLLMENT From Oct. 28-Nov. 13, you can enroll quickly and easily online or over the phone. Before enrolling, review the information in this guide to learn more about your 2027 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.
Option 3: Enroll via mobile app. • Download the Alight mobile app (for iOS and Android).
Visit the Annual Enrollment page to learn more.
Important Enrollment Dates: Phillips 66 Benefits Annual Enrollment: Oct. 28-Nov. 13, 2026 Health Care Exchange: Nov. 1-Dec. 15, 2026 Medicare Enrollment: Oct. 15-Dec. 7, 2026
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ENROLLMENT INSTRUCTIONS AND ACTIONS
HEALTH BENEFITS
CONTACT INFORMATION
Take Action Annual Enrollment is your opportunity to make changes to your health and well-being coverage for 2027. If you wish to enroll or make coverage changes for 2027, 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. 13, 2026. Below is an overview of what you need to do and why you need to take action during Annual Enrollment. What
How
Why
Included Health
Log in or activate your account. (Recommended action)
Need help understanding your benefits or finding care? Call Included Health at 844-339-6732 or visit includedhealth.com/ phillips66. Included Health can help with benefits questions, finding providers, virtual primary and urgent care, claims and billing support, treatment decisions and expert medical opinions.
Medical, Dental, Vision and Lyra
Review and enroll.
Review to ensure you have the right coverage for you and your family. If you don’t make changes, your 2026 elections will carry over to 2027.
Voluntary Benefit — Pet Insurance
Review this guide.
If you don’t make changes, your 2026 elections will carry over to 2027.
Voluntary Benefit — Farmers Auto and Home Insurance
Review this guide.
If you don’t make changes, your 2026 elections will carry over to 2027.
Beneficiaries
Update or confirm your beneficiaries and their contact information (phone and address*).
Keeping beneficiary information current ensures it reflects your wishes. View the Phillips 66 Beneficiary Guide for more information.
* If their address differs from your own.
Phillips 66 Retiree Medical Account
Coverage Through The Exchange
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
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Continuous COBRA coverage
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Medicare premiums (Part B and D)
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 get help identifying options available to you by contacting Health Coverage Resources at healthcoverageresources.com/Phillips66/home.
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The Exchange
Exchange enrollment: Nov. 1–Dec. 15, 2026.
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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.
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. 13. Your elections in the system at that time will be final for Jan. 1, 2027.
PHILLIPS 66 ANNUAL ENROLLMENT BENEFITS GUIDE 2027
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Health Benefits
ENHANCED FOR 2027 Included Health: One Call. One Click. One Trusted Place to Start. Meet your new front door to health and well-being benefits and virtual care. You may already know Included Health, but now your experience is even better. Whether you need help understanding your health and well-being benefits, finding care, navigating a diagnosis, planning a procedure or accessing specialized support, Included Health connects you to the right resource while saving you time and managing your costs.
Why Use Included Health?
Log in to or activate your account today — don’t wait until you need care.
All your health and well-being benefits in one place See your plan details, deductible and coverage anytime.
Pre-register now so you always know exactly where to turn for support.
Access to high-quality care Get matched to top in-network doctors and specialists in your area. On-demand care at no cost Get 24/7 access to Virtual Urgent Care and easy Virtual Primary Care visits, all covered at $0 copay.
“I just moved and need to find a great primary care doctor nearby.”
Your Everyday Health Questions, Solved.
“I’m really not feeling well and need to see someone today, but I can’t leave my house.”
24/7 answers Reach your care team anytime with benefit questions. Claims and cost support Get help with medical bills and understand what you owe. Benefit guidance Reach out to understand how your health and well-being benefits fit your needs.
“I got a medical bill in the mail but thought I already paid it. What’s this for?”
Expert medical opinion Confirm a diagnosis or treatment plan for complex needs. 6
ENROLLMENT INSTRUCTIONS AND ACTIONS
HEALTH BENEFITS
CONTACT INFORMATION
Who Is Eligible for Included Health? Cobra participants and their covered dependents enrolled in a Phillips 66 HDHP or PPO medical option can access Included Health’s full services. Kaiser participants are eligible with limited access. Included Health: Personal Healthcare Guide
Included Health: Virtual Primary Care
Included Health: Virtual Urgent Care
Included Health: Expert Medical Opinion
Time to Get Care
Available 24/7 with answers in minutes
About 2-3 days for an appointment
24/7 on-demand service with no appointments needed; visit lasts 5-20 minutes
About 7-10 days after records collection
When to Use It
Start here for any healthcare need or question
Ongoing care, preventive visits and health coordination
Quick virtual help for everyday health concerns
In-depth expert reviews for complex diagnoses and surgery.
Common Use Cases
• Finding a high-quality doctor • Understanding benefits and costs • Getting claims and billing help • Finding the right health and well-being benefits.
• Annual wellness and preventive visits • Routine Rx follow-ups • Lab orders and results review • Ongoing condition support
• Cold, flu and allergies • Sinus and ear concerns • Rashes and skin irritation • Fever and headaches
• Complex diagnoses • Surgery decisions • Treatment confirmation (second opinion)
$0
$0
$0
$0
Estimated In-Network Cost
When to Use Other Care Emergency Room (ER):
Urgent Care Center:
True medical emergencies like chest pain, stroke signs, severe bleeding or trouble breathing.
Same-day treatment for serious, but non-life threatening injuries like sprains, broken bones or deep cuts.
GET CARE AND SUPPORT ANYTIME FOR $0 Virtual Urgent Care (replaces Teladoc) Included Health provides 24/7 on-demand virtual urgent care through the Included Health platform, treating common illnesses, and offering medical guidance via smartphone, tablet or computer.
Virtual Primary Care (replaces Teladoc) Included Health Virtual Primary Care is an online healthcare service that connects you with doctors, care teams and mental health experts through your phone or computer. It offers routine check-ups, prescription refills and chronic disease management.
Visit includedhealth.com/phillips66 or call 1-844-339-6732 for 24/7 support.
Teladoc is being removed and replaced by Included Health for Virtual Primary Care and Virtual Urgent Care beginning Jan. 1, 2027.
PHILLIPS 66 ANNUAL ENROLLMENT BENEFITS GUIDE 2027
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Need help finding the right option for you? Contact Included Health for decision support.
MEDICAL BENEFITS Phillips 66 offers comprehensive medical benefit options providing coverage for preventive care, regular checkups and office visits and more. The HDHP and PPO options are offered to eligible employees through Aetna or BCBSTX, based on the employee’s home state. Prescription drug benefits are administered by CVS Caremark. Please review this information so that you and your family can understand the benefits available to you.
Choose the Right Option for You HDHP Option Network Annual deductible
Employee only: $1,800 Employee + Dependents: $3,600
Non-network Employee only: $2,700 Employee + Dependents: $5,400
(Includes prescription drug costs)
Annual out-of-pocket maximum
Individual: $5,000* Family: $10,000
Individual: $15,000* Family: $30,000
PPO Option Network Employee only: $850 Employee + Dependents: $1,700
(Excludes medical copays and prescription drug costs) Individual: $5,000* Family: $10,000
Individual: $15,000* Family: $30,000
(Includes deductible and eligible expenses covered by the plan)
Preventive medical care (deductible waived)
Covered at 100% ($0)
$1,500 covered at 100%; you pay 50% thereafter
Covered at 100% ($0)
$1,000 covered at 100%; you pay 50% thereafter
Included Health Virtual Primary Care
Covered at 100% ($0)
N/A
Covered at 100% ($0)
N/A
Included Health Virtual Urgent Care
Covered at 100% ($0)
N/A
Covered at 100% ($0)
N/A
Doctor visits
You pay 20%, after deductible
You pay 50%, after deductible
Primary care: $30 copay Specialist: $60 copay
You pay 50%, after deductible
Urgent care center
$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
Lantern (back, hip,
Deductible applies Coinsurance waived
N/A
Deductible waived Coinsurance waived
N/A
elbow, knee, bariatric**)
Preventive prescription drugs
Other network prescription drugs
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
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.)
GLP-1 prescription drugs
• Access to covered GLP-1 weight loss medications through Virta, if eligible • Medications for FDA-approved conditions (e.g., diabetes) through CVS Caremark, if eligible • Coinsurance/copay apply where applicable
Specialty network prescription drugs
PrudentRx Specialty Drug Program • Opt-in for $0 cost share for eligible medications (HDHP $0 cost share after deductible) • 30% coinsurance if no participation
Monthly premium
You Only, Spouse Only, or Child(ren) Only: $702.69 You + Spouse/Domestic Partner: $1,524.79 You + Child(ren): $1,524.79 You + Family: $2,107.97
You Only, Spouse Only, or Child(ren) Only: $1,136.88 You + Spouse/Domestic Partner: $2,466.99 You + Child(ren): $2,466.99 You + Family: $3,410.65
* 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.
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Non-network Employee only: $1,675 Employee + Dependents: $3,350
Your Complete Cancer Screening, Treatment and Survivorship Support From the comfort of home, you can complete Color’s preventive cancer screening kits for colorectal, cervical, skin, and prostate cancers, and if you qualify, genetic testing can help identify inherited risks for certain cancers. Color also makes it easier to stay on top of in-person care by helping you find and schedule in-network screenings like mammograms and colonoscopies. If you have been diagnosed with cancer and need support during treatment, you can connect virtually with a team of cancer experts for guidance with screening, treatment decisions, logistics, financial questions, and emotional well-being. Survivorship support is also available once treatment is complete. This benefit is available at no cost to participants aged 18 and over enrolled in the HDHP and PPO options.
Cancer Care Resource Guide 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.
Fertility and Family-Building 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 Progyny Patient Care Advocates. The benefit provides coverage for fertility treatments, medications, fertility preservation and donor tissue purchase.
Support for Life’s Challenges You don’t have to navigate stress, anxiety, family concerns or life transitions alone. Through Lyra, you and each eligible dependent have access to six free and confidential therapy or mental health counseling sessions, with appointments available within two days, plus a variety of self-care resources. Lyra Lyra monthly premium
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
Planned Surgery? This Benefit Could Save You Thousands. 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.
Commercial trade floor HOUSTON, TX
PHILLIPS 66 ANNUAL ENROLLMENT BENEFITS GUIDE 2027
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Weight and Diabetes Management Eligible participants enrolled in an HDHP or PPO option who meet Virta’s clinical criteria for participation can lose weight, lower blood sugar and reverse diabetes using a nutrition-first approach. Your benefit includes:
How will I get my GLP-1 medication?
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GLP-1 prescribing for weight loss (following the CVS Caremark formulary).
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Digital weight scale and blood meter that syncs with your phone.
For weight loss, GLP-1 medications must be prescribed by a Virta provider, and participants are required to engage in the Virta weight loss programs.
•
For diabetes and other FDA-approved medical conditions, participants should use their treatment provider and obtain the medication through CVS Caremark, if eligible.
•
One-on-one health coach to guide and support you.
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In-app tools for real time guidance, decision support and food tracking.
If you have additional questions, please refer to this FAQ.
Rodeo Renewable Energy Complex RODEO, CA
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ENROLLMENT INSTRUCTIONS AND ACTIONS
HEALTH BENEFITS
CONTACT INFORMATION
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 Website
kp.org
Phone number
Kaiser CA: 800-464-4000 Kaiser WA: 888-901-4636
Monthly premium (CA only)
You Only, Spouse Only, or Child(ren) Only: $1,062.80 You + Spouse/Domestic Partner: $2,242.50 You + Child(ren): $2,242.50 You + Family: $3,103.38
Monthly premium (WA only)
You Only, Spouse Only, or Child(ren) Only: $1,229.07 You + Spouse/Domestic Partner: $2,593.34 You + Child(ren): $2,593.34 You + Family: $3,588.88
Research Center laboratory BARTLESVILLE, OK
PHILLIPS 66 ANNUAL ENROLLMENT BENEFITS GUIDE 2027
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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.
Dental Option Network Annual deductible
$50 individual $100 family
Annual maximum
$2,000 per person
Preventive
Out-of-area* Dental Option
Non-network $150 individual $300 family
$50 individual $100 family
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
Major services
You pay 50% after deductible, up to plan limits
You pay 20%, 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: $45.90 You + Spouse/Domestic Partner: $94.39 You + Child(ren): $103.62 You + Family: $150.80
* Available to participants without access to at least two dentists within 10 miles of their home ZIP code.
Your 2026 dental and vision elections will carry over to 2027 if you don’t take action.
Employee at headquarters HOUSTON, TX
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ENROLLMENT INSTRUCTIONS AND ACTIONS
HEALTH BENEFITS
CONTACT INFORMATION
VISION Through the 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.
To learn more or to find a network vision provider, visit the Phillips 66 VSP website. Enter your ZIP code to find a doctor.
Basic Option
Comprehensive Option
Exam
Covered at 100%
Covered at 100% (under the company-provided basic option)
Frames
Discounts available
$220 annual allowance*
Contact lenses
Not covered
$200 annual allowance*
Contact lens fitting
Discounts available
Covered at 100%
Lenses — Single vision, bifocal, trifocal, lenticular
Discounts available
Covered at 100% one-time annually
Lens options — Progressive, anti-reflective, polycarbonate**
Discounts available
Member pays VSP Preferred Pricing
Monthly premium
You Only, Spouse Only or Child(ren) Only: $.82 You + Spouse/Domestic Partner: $1.47 You + Child(ren): $1.46 You + Family: $2.33
You Only: $11.63 You + Spouse/Domestic Partner: $21.14 You + Child(ren): $21.05 You + Family: $33.66
* The annual allowance is for either frames or contact lenses in the calendar year, but not both. ** 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.
Wood River Refinery ROXANA, IL
PHILLIPS 66 ANNUAL ENROLLMENT BENEFITS GUIDE 2027
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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.
Bayway Refinery LINDEN, NJ
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ENROLLMENT INSTRUCTIONS AND ACTIONS
HEALTH BENEFITS
CONTACT INFORMATION
Contact Information Provider Name
Type of Benefit
Phone Number
Website
Aetna
Medical
855-267-4184
aetna.com
BCBSTX
Medical
855-594-4233
bcbstx.com/phillips66
Color
Cancer Screenings
844-352-6567
color.com/phillips66
CVS Caremark
Prescription Drugs
888-208-9634
caremark.com
Included Health
Benefits navigation, second opinion, virtual primary and urgent care, treatment decision support
844-339-6732
Includedhealth.com/phillips66
Kaiser CA
Medical
800-464-4000
kp.org
Kaiser WA
Medical
888-901-4636
kp.org
Lantern
Medical
833-423-3068
https://mysurgery.lanterncare.com/
Mental Health and Well-Being Resources
877-390-4980
phillips66.lyrahealth.com
MetLife
Dental
855-837-6381
metlife.com
MetLife
Home/Auto (Farmers)
855-567-6605
www.metlife.com/info/phillips66/
MetLife
Pet Insurance
800-438-6388
www.metlife.com/info/phillips66/
Annual Enrollment and benefit elections
800-965-4421
digital.alight.com/phillips66
Fertility Benefits
844-930-3340
https://progyny.com/
Lyra
Phillips 66 Benefits Center Progyny Virta
Weight and Diabetes Management Program
VSP
Vision
http://virtahealth.com/ 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 here.
PHILLIPS 66 ANNUAL ENROLLMENT BENEFITS GUIDE 2027
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M I S S I O N | what we do
Providing Energy. Improving Lives. V I S I O N | where we’re going
Be the leading integrated downstream energy provider. V A L U E S | who we are
Start with Safety. Go with Honor. Deliver with Commitment. O U R E N E R G Y I N A C T I O N | how we work
Work for the greater good. Cultivate an environment of trust. Seek different perspectives. Pursue excellence. O U R P E O P L E A M B I T I O N | what we offer
We power you, so together we can power the world.
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 any other policy or program, at any time without notice, at its sole discretion. This Communication applies only to non-represented employees, as well as represented employees where provided for under the terms of an applicable collective bargaining agreement. 16 25-0022_15 © 2026 Phillips 66 Company. All Rights Reserved.
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