Cancer Care Resource Guide

CANCER CARE RESOURCE GUIDE

I hope this guide is a helpful resource to answer your questions.

A cancer diagnosis can cause intense fear and a feeling of helplessness. After my diagnosis, I used every single benefit available to me. The information and guidance made me feel armed with knowledge and support, and the access to benefits for mental and physical health is incredibly valuable.

I think I went through my cancer chapter to be able to help others, and I’d like for this guide to be part of that. I hope having this information in one place removes barriers and stress and reminds you that Phillips 66 is part of your care team.

– Jessica Domann, Advisor, Benefits, Human Resources Triple negative breast cancer survivor

Medical Benefits and Cancer Care Options

Your medical insurance coverage for cancer treatment will vary depending on the option you selected at open enrollment.

If you are enrolled in the high deductible health plan (HDHP) or preferred provider organization (PPO) options, your medical carriers provide coverage for many medically necessary covered services. Coverage overviews are available on the Total Rewards website

Work with your physician and Included Health to find a facility that is best positioned to care for you, and make sure the facility is in-network by calling your health advocate at the number on the back of your insurance card and asking for confirmation of in-network status for the facility and provider you want to use.

If you are enrolled in the Kaiser option (available in California and Washington only), the information in this guide may be helpful for you, but the services covered under the HMO may be different than what is provided under the HDHP or PPO options. Contact your Kaiser HMO representative to find out what services are available.

Pay Special Attention to These Oncology Provisions

Generally, chemotherapy, radiation and surgeries related to cancer are covered. To ensure your treatment is covered, use an innetwork provider and facility. You also have the option of asking your insurance provider for a predetermination of benefits (POB) before you receive any care. The POB provides an estimate of your out-of-pocket expenses.

There are times when patients and their providers decide experimental treatment or non-covered services might work best. In these situations, the health savings account (HSA) or health care flexible savings account (HCFSA) may be used to cover expenses. To confirm whether services are eligible for HSA and HCFSA, review IRS Publication 502

Get help making informed decisions using Included Health

Included Health is available at no cost. Advocates help you make informed healthcare decisions, including finding a top-tier doctor or healthcare professional in your area. They can also help you set up appointments and provide a list of questions for you to ask your provider. Get over-the-phone information and support by calling 844-339-6732.

Other Helpful Benefits During Diagnosis, Treatment and Recovery

Travel benefit

If specialized care cannot be provided within your local geographic area, travel and lodging expenses are covered at 100%, up to $50 per day per authorized person, up to a maximum of $10,000 per calendar year. To be eligible to receive the travel and lodging benefit, care must be coordinated through the claims administrator’s complex case management program by contacting your health advocate. The health advocate number can be found on the back of your insurance ID card.

Nurse support 24/7

You can talk directly to a Registered Nurse (RN) to discuss symptoms or conditions. If RNs determine that Included Health’s Treatment Decision Support would be beneficial, they will connect you with the treatment decision support clinicians for further education or navigation. To access the nurse line for your insurance carrier, visit the Total Rewards website

Case managers

Blue Cross and Blue Shield of Texas (BCBSTX) and Aetna both provide oncology case managers, who are often oncology nurses, to help guide you through your care management plan and how best to maximize your benefits during your treatment. To engage a case manager, contact your health advocate by calling the number on the back of your insurance card.

Clinical trials

Clinical trials can be an alternative treatment. Included Health provides Treatment Decision Support and Expert Medical Opinions where clinicians can walk you through their review of a clinical trial and follow-up treatment.

Durable Medical Equipment (DME)

Insurance carriers offer several DME options to assist cancer patients with treatment and recovery. DME may include things like wigs, compression garments and eligible home equipment.

Genetic testing

Genetic testing has proven benefits for helping your provider navigate your care. However, not all genetic testing is covered under the Phillips 66 Plan. Ask for a POB from your provider before having genetic testing. By doing so, you’ll know if the test is a covered expense, and you’ll have an estimate of how much you will be responsible for paying.

Virtual care

HDHP and PPO patients have several options for virtual care. Ask your treating physician what virtual care options are available. In addition, if you’re in a more acute situation and need access to a virtual care provider, BCBSTX offers help through MD Live and Aetna participants can use Teladoc

Virtual fitness options

Whether you are fighting a recent cancer diagnosis or supporting someone in their battle, it’s important to prioritize your mental and physical health. Research shows that mind and body exercises can have positive benefits in cancer patients. Les Mills Content offers a wide variety of on-demand programs that range from mindfulness practices to cardio and strength training. Get unlimited access to Les Mills Content at a discounted rate through the affiliate website.

Progyny fertility benefit

As part of our Progyny fertility benefit, Phillips 66 employees and covered dependents have the option to utilize Oncofertility tissue preservation. This option allows participants the opportunity to choose to preserve their sperm or eggs prior to receiving chemotherapy or other cancer treatments. To take advantage of this benefit, contact a Progyny Patient Care Advocate (PCA) at 844-930-3340.

Mental Health Support

Finding support through the time of diagnosis and treatment can be beneficial for patients and their loved

ones. We offer a variety of resources through

the employee assistance program

(EAP).

Resources For Living EAP services, administered by Aetna, are confidential, completely voluntary and provided at no cost to you and your dependents. Resources For Living offers in-person, telehealth and online counseling assistance options and gives you and all members of your household up to five counseling sessions per issue, per year. Children are covered until the age of 26.

Login online with the Username: Phillips66 and Password: RFL, or call 844-766-7351 TTY: 711.

For workplace EAP information, contact HR Connections at 855-480-6634 to be connected to the Phillips 66 EAP coordinator in your region.

Employee Assistance Program Services

Talkspace is an online therapy platform for counseling services offered through Resources For Living. Log in through the Resources For Living website or download the Talkspace App using the Username: Phillips66 and Password: RFL. You get five free sessions per problem, per person, per year. One week of text therapy counts as one visit. You can also schedule real-time 30-minute televideo sessions. Each televideo session also counts as one visit. You can send unlimited text, video and audio messages.

Sleepio is a digital treatment for insomnia and poor sleep that helps you understand the thoughts and patterns that cause poor sleep — even those that come with the challenges of cancer. Sleepio is available at no cost to active U.S. employees and their dependents age 18+ who are enrolled in the HDHP or PPO medical plan. This excludes expats, inpatriates and non-U.S. citizen non-U.S. Resident (NCNR) employees.

Daylight is a digital platform that helps you understand the thoughts and patterns that cause worry and anxiety. It provides self-care while you are going through cancer treatment or caring for a loved one with cancer and is available at no cost to active U.S. employees and their dependents age 18+ who are enrolled in the HDHP or PPO medical plan. This excludes expats, inpatriates and non-U.S. citizen non-U.S. Resident (NCNR) employees.

Bright Horizons is a family care, back-up care and school support program. It includes in-home care for you or your loved one who is recovering from treatment, or center-based care so you can go to appointments or treatments. Bright Horizons can also help you find fulltime caregiving, pet care and housekeeping services.

Virtual academic support and tutoring is also available through Bright Horizons Virtual Tutoring, provided by Varsity Tutors and Sylvan Learning.

Time Off From Work

Treatment and recovery can require you to take time off from work. There are several policies in place to help you navigate your needs.

Short-Term Disability (STD)

STD refers to the short-term disability benefit provided under the Phillips 66 Disability Plan. This benefit may provide income for up to 26 weeks if an employee is disabled and unable to work due to a non-occupational illness or injury.

The STD benefit allows you to take paid time off work to go to treatments and appointments and recover at home.

How to Use the STD Benefit

STEP 1: Call HR Connections at 855-480-6634 or 918-977-7905 to request an absence. HR Connections will connect you with the Absence Management team to get you the information you need to coordinate your STD and other important details.

STEP 2: Communicate with Health Services on anticipated leave dates. Absence Management will provide you with the Health Services contact information for your location.

STEP 3: Submit requested medical documentation after being absent for five consecutive calendar days, and it must be updated every 30 days thereafter. Most commonly, this documentation is an Employee Health Report (EHR) that lists why you need time off. It will also allow you to receive STD benefits if submitted every 30 days as required. This document must be signed by the employee and filled out by the physician. There is a separate EHR supplement for mental health absences.

STEP 4: Code your time off in WorkForce Software when applicable.

Family and Medical Leave Act (FMLA)

Unpaid family and medical leave under the FMLA provides 12 weeks of unpaid job protection to take time off while you are unable to work due to a serious health condition or caring for an eligible family member who has a serious health condition. FMLA job protections run concurrently with eligible STD benefits.

How to Use the FMLA Benefit

STEP 1: Call HR Connections at 855-480-6634 or 918-977-7905 to request an absence.

STEP 2: If you will be out for your health condition (as opposed to caring for a family member), you will also need to communicate with Health Services on your anticipated leave dates. You can request continuous or intermittent time off. For intermittent FMLA, you can take time off for appointments, recovery or flareups.

STEP 3: Submit requested medical documentation.

STEP 4: Code your time off in WorkForce Software when applicable.

Time Off Under These Benefits

Taking time off allows you to utilize both the STD and FMLA policies. Time off can be taken either continuously or intermittently.

Continuous Time Off

Taking continuous time off will allow you paid time under STD if it’s taken for your own illness and job protection under FMLA to recover from a serious health condition or care for a qualifying family member, if eligible. This includes being off work to care for them while they are ill.

• If you are off for five or more consecutive calendar days, it is considered a continuous leave.

• If you are off because of your own illness, you would be able to use both the STD benefit so that you continue to be paid and FMLA, which provides you job protection, if eligible.

• If you are off for three or more consecutive calendar days to care for a qualifying family member, this would be an unpaid leave, but your job can be protected under FMLA, if eligible. Vacation time can also be utilized.

Intermittent Time Off

Intermittent leave allows you to take paid time off under STD and protected time off work under FMLA, if eligible, to attend your appointments or treatments. Intermittent time to care for a family member will grant you job protection while you care for your family member if they are unable to care for themselves or attend appointments and treatments without your help.

• If you need time off to attend your weekly appointments, treatments or have occasional medical flare ups that prevent you from going to work, you can take intermittent FMLA and get paid under STD.

• If taking intermittent FMLA to care for a family member it will be unpaid, but your job is protected by FMLA. Vacation time can also be utilized.

How to Use the STD and FMLA Benefits Together

STEP 1: Call HR Connections at 855-480-6634 or 918-977-7905. Let them know you need to take time off and they will ask you a series of questions to better understand what type of leave you need.

STEP 2: Be sure you are in compliance with paperwork. Code your time off under intermittent leave when applicable.

STEP 3: Code your time off in WorkForce Software when applicable.

Leave Due to a Serious Illness in the Family

You are provided five days of paid time off for a serious illness in your immediate family. This benefit allows you paid days off to care for a family member who is hospitalized, having surgery or has received emergency room treatment. Discuss this time off request with your supervisor for guidance on eligibility and coding.

Returning to Work After Leave

If you were gone continuously due to a health condition, discuss your return-to-work plan with your medical provider to confirm that you are eligible to safely come back to work and what your return date should be. Provide medical documentation using your Employe Health Report form to Absence Management with your medical clearance date from your treating provider.

If you were gone continuously due to a family member’s health condition, be sure to notify your supervisor as soon as possible and keep them updated. You’ll also need to notify Absence Management or HR Connections if your time off gets extended.

An employee may be eligible for additional family or medical leave under state law. If state law provides greater benefits, the employee will be provided with the benefit of whichever law provides greater rights.

Coverage for Medications and Treatments

Be sure to ask about manufacturer coupon programs and look into specialty programs the Phillips 66 Plan offers such as PrudentRx. These programs can help offset your out-of-pocket expenses.

Chemotherapy

Generally, FDA-approved medications for chemotherapy are covered under the Phillips 66 Plan. However, some medications can be considered off-label use or experimental and investigational.

All About PrudentRx

Healthcare participants enrolled in an HDHP or PPO option will receive program information from PrudentRx in the mail once the patient has begun filling a specialty medication through CVS Specialty Pharmacy. After receiving the information in the mail, you must contact PrudentRx to opt-in to the program, which has a $0 cost share for all specialty medications on the Exclusive Specialty Drug List.

Participants in the HDHP option must meet a deductible before receiving the $0 cost share. If you decline to participate in the program, you pay 30% coinsurance for any specialty medication on the Exclusive Specialty Drug List. Specialty medications not on the Exclusive Specialty Drug List are subject to copays and coinsurance.

Financial

Goldman Sachs Ayco gives you access to a team of coaches who can help you make informed financial decisions, so you can focus your energy on what is most important. Your coach through Goldman Sachs Ayco will get to know you, listen to your family’s needs and help you and your loved ones navigate your financial decisions.

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If you have an HSA or HCFSA, you may want to use your account to cover qualified medical expenses. Be sure to review the IRS Publication 502 to understand which expenses are eligible.

Under certain circumstances, participants may be permitted to take money out of the Phillips 66 Savings Plan while still employed, either in the form of a withdrawal or a loan. For more information on these options, call Vanguard at 800-523-1188.

Life Insurance, Accelerated Benefits and Beneficiary Guide

Under the accelerated benefit option, participants may elect to receive up to 50% of their life insurance benefit early if the employee or the employee’s spouse is terminally ill. That money can be used for any purpose, including experimental treatments.

For the Employee

The plan will pay up to 50% of basic plus supplemental life coverage amount if a terminally ill employee has a life expectancy of 24 months or less.

• Minimum payout is $10,000.

• Maximum payout is $1,000,000.

For the Employee’s Spouse

The plan will pay up to 50% of the employee’s spouse life coverage amount if the spouse is terminally ill with a life expectancy of 24 months or less.

• Minimum payout is $25,000.

• Maximum payout is $250,000.

Some rules do apply. Please reference section I, page 13, in the Health and Well-Being Handbook for details.

Beneficiary Guide

It is important to make sure you have beneficiaries assigned to accounts where a beneficiary can be named, such as:

• Retirement accounts

• Health savings account

• Investment accounts

• Property

• Other assets Review the Phillips 66 Beneficiary Guide for more information.

Additional Resources

Ongoing care and recovery

• American Cancer Society Caregiver Resource Guide

• American Cancer Society Caregivers and Family

Nutrition support

• American Cancer Society What to Eat During Cancer Treatment

How to support a family member or friend

• American Cancer Society Caregiver Support Video Series

Survivor resources

• American Cancer Society Survivorship: During and After Treatment

• American Cancer Society Survivorship Videos

Glossary of terms to know

• American Cancer Society Cancer Glossary

• American Cancer Society Anatomy Gallery

Additional information

• American Cancer Society

• Centers for Disease Control and Prevention

• World Health Organization

Questions to ask your doctor

When you or someone you love gets the diagnosis of cancer, there are so many questions that need to be asked related to the diagnosis, treatment and follow-up care. The American Cancer Society’s questions to ask about your cancer can help you come up with a list.

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.

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