Phillips 66 Company

2025 U.S. Benefits Enrollment

Annual Enrollment is a time to re-assess your and your family's health care needs and either continue with your current benefit selections or adjust accordingly. Take time to review the resources available to you so you can make an informed decision about your 2025 benefit elections.

Enrollment ends online at midnight Central time (or at 6 p.m. Central time if by phone) on Friday, November 15. Your elections in the system at that time will be final for January 1, 2025.

Regardless of whether you are adjusting your benefit plan, you must log into the Phillips 66 Benefits Center website and complete other annual requirements.

Take Action Oct. 30 – Nov. 15

Review

Review the 2025 Benefits Annual Enrollment information to learn about the options available to you and your family.

*To submit a request for a hard copy of the 2025 Benefits Annual Enrollment Guide, please contact HR Connections (limited supply available)

Enroll

There are multiple ways to enroll:

REQUIRED: During 2025 Benefits Annual Enrollment —

  • Review your medical, dental, and comprehensive vision coverage. If you don't make changes, your 2024 elections will carry over to 2025.
  • Review basic vision and EAP coverages and enroll the dependents you want covered. If you don't make changes, your plan will default to employee only for 2025.
  • Be sure to check that the contact information (phone and address) for your beneficiaries is updated on the Phillips 66 Benefits Center website.
  • If you are enrolled in Supplemental Life Insurance, you must complete your tobacco attestation.
  • Enroll in the FSA if you wish to participate in the Health Care FSA and/or Dependent Care FSA.
  • Enroll in enhanced LTD if you want a higher level of coverage than offered under the employer-paid basic LTD coverage.
  • Complete the required evidence of insurability (EOI) if you change from basic LTD to enhanced LTD or increase your Supplemental Life Insurance Coverage.
  • Review and enroll in Long-Term Care coverage.
  • Review voluntary benefits if you wish to participate.

NEW IN 2025

  • Employer HSA contribution will be paid on a biannual schedule in January and July, based on the coverage you are enrolled in January 1, 2025 and July 1, 2025.
  • Eligible participants who have a prescription for GLP-1 medications used for weight loss (Wegovy, Semaglutide, Zepbound, etc.) will need to enroll in the CVS Weight Management program to avoid paying the entire cost of the GLP-1 prescription. Participants utilizing GLP-1 medications for diabetes management will experience no change in coverage for these prescriptions.
  • Dependent verification will be required for any unverified dependents enrolled in basic vision and EAP.
  • The following benefit providers are rebranding - there is no change to the benefits they offer:
    • SurgeryPlus will become Lantern.
    • Virgin Pulse will become Personify Health.

2025 Benefits Information

For details regarding 2025 benefits, see the 2025 Benefits Annual Enrollment Guide. For more information about your available coverage, see the links below.

Health and Well-Being

2025 Summary of Benefits and Coverage (SBC)

Your health is important to us. You and your family have access to a health advocate through Aetna or BCBS and services through Included Health for expert medical opinions and advice.

Review

Review the 2025 Benefits Annual Enrollment information to learn about the options available to you and your family.

Enroll

There are multiple ways to enroll:

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
  • 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. Phillips 66 retirees can access resources to help identify health care exchange options available to them by contacting Health Coverage Resources.

2025 Benefits Information

For details regarding 2025 benefits, see the 2025 Benefits Annual Enrollment Guide for Pre-65 Retirees. For more information about your available coverage, see the links below.

Health and Well-Being

2025 Summary of Benefits and Coverage (SBC)

Your health is important to us. You and your family have access to a health advocate through Aetna or BCBS and services through Included Health for expert medical opinions and advice.

Review

Review the 2025 Benefits Annual Enrollment information to learn about the options available to you and your family.

Enroll

There are multiple ways to enroll:

The Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA) may allow you and/or your dependents to continue medical, dental, vision, and Resources for Living coverage if that coverage is lost due to a “qualifying event,” (for example, you leave the company, you and your spouse divorce or your child reaches the plan's upper age limit). You pay the full cost for COBRA coverage.

2025 Benefits Information

For details regarding 2025 benefits, see the 2025 Benefits Annual Enrollment Guide for COBRA Participants. For more information about your available coverage, see the links below.

Health and Well-Being

2025 Summary of Benefits and Coverage (SBC)

Your health is important to us. You and your family have access to a health advocate through Aetna or BCBS and services through Included Health for expert medical opinions and advice.

Review

Review the information below to learn about the options available to you and your family.

Enroll

There are multiple ways to enroll:

REQUIRED: Eligible employees may need to complete the following during 2025 Benefits Annual Enrollment:

  • If you are enrolled in Supplemental Life Insurance, you must complete your tobacco attestation.
  • Enroll in the FSA if you wish to participate in the Health Care FSA and/or Dependent Care FSA.
  • Enroll in enhanced LTD if you want a higher level of coverage than offered under the employer-paid basic LTD coverage.
  • Complete the required evidence of insurability (EOI) if you change from basic LTD to enhanced LTD or increase your Supplemental Life Insurance coverage.

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