Phillips 66 Company

Medical Benefit Options

Phillips 66 offers comprehensive medical benefit options providing coverage for preventive care, regular checkups and office visits, mental health and substance use disorder, and more. The HDHP and PPO options are offered to eligible employees through either Aetna or Blue Cross Blue Shield (BCBS), based on the employee’s home ZIP code. Both options also include prescription drug benefits administered by CVS Caremark.

The Kaiser HMO option is offered to eligible employees who live within a Kaiser service area in California or Washington. This option includes mental health, substance use disorder, and prescription drug benefit coverage administered by Kaiser Permanente.

Health & Well-Being Tools

The links below will help with reviewing your options:

Medical Benefit Option Premiums

See the monthly premiums below (effective January 1, 2025 to December 31, 2025) to compare plan pricing:

Plan Employee Only Employee + Spouse /
Domestic Partner		 Employee + Child(ren) Employee + Family
HDHP Option $38.00 $162.00 $162.00 $251.00
PPO Option $180.00 $391.00 $391.00 $541.00
Kaiser HMO Option – California $238.22 $460.06 $460.06 $638.83
Kaiser HMO Option – Washington $172.10 $363.03 $363.03 $503.33

Click here for complete Employee Monthly Premiums.

HDHP Option

Except for preventive care, you will generally pay the cost of services and prescription drugs until your deductible is met. After your deductible is met, a coinsurance or copay will apply to covered services and prescription drugs. If you are enrolled in the HDHP option, you may be eligible to contribute to a Health Savings Account (HSA). Your HSA balance will roll over from year to year and your account has several tax advantages. If you elect the HDHP option with HSA, Phillips 66 will also make a bi-annual contribution to your HSA (January and July). The company provides $500 for employee coverage, which will be paid out as $250 in January and $250 in July. The company provides $1000 for all other coverages, which will be paid out as $500 in January and $500 in July. New hire amounts will be pro-rated based on hire date. See the Total Rewards Guide for pro-rated schedule.

Using the Medical Benefit Options

Use the links below to access plan benefits and services.

Aetna

Contacts

Call your Health Advocate to locate network providers, obtain ID cards, access claims information and more.
Phone: (855) 267-4184
Website: Aetna
Aetna Informed Health® Line – 24 Hour Nurseline
Phone: (800) 556-1555

Resources

BCBS

Contacts

Call your Health Advocate to locate network providers, obtain ID cards, access claims information and more.
Phone: (855) 594-4233
Website: BCBS

BCBS Network: Oklahoma residents: Blue OptionsSM PPO Network;
All Others: BlueChoice® PPO Network
BCBS – 24 Hour Nurseline
Phone: (800) 581-0368

Resources

Houston Onsite Medical Clinic

Contacts

If you are in or visiting the Houston office, we provide access to an onsite medical clinic staffed by a Memorial Hermann Physician and Nurse Practitioner. Make appointments for office visits, wellness exams, chronic illness management, biometric screenings, and a variety of other services.
The Medical Office at Phillips 66
Phone: (832) 658-3260
Address: 2331 CityWest Blvd., South Tower, 2nd Floor
Houston, TX 77042
Website: Memorial Hermann

Prescription Drug Benefits

CVS Caremark
Phone: (888) 208-9634
Website: CVS Caremark

PrudentRx

Resources for Living

Phone: (844) 766-7351
Website: Resources for Living
Username: Phillips66
Password: RFL

Mental Health and Substance Use Disorder

Mental Health and Substance Use Disorder services are provided by your insurance carrier.

Aetna
Phone: (855) 267-4184
Website: Aetna
BCBS
Phone: (855) 594-4233
Website: BCBS

Lantern (Formerly SurgeryPlus)

As an alternative to utilizing Aetna or BCBSTX for eligible covered surgical services under your HDHP and PPO medical benefit, you may choose to utilize Lantern. Lantern is an additional medical benefit that provides you with access to care for many planned surgical procedures (orthopedics, spine, general surgery, etc.). If you choose to utilize this service, you will work with a Lantern network provider. For all eligible procedures, coinsurance will be waived after deductible is met. You are not required to use Lantern unless you are considering bariatric surgery. All bariatric surgeries require the use of a Lantern network provider.

Lantern
Phone: (833) 423-3068
Website: Lantern

Fertility Benefits

Progyny provides an inclusive family-building benefit for every unique path to parenthood. Progyny fertility benefits include access to a premier network of fertility experts and personalized guidance from dedicated Patient Care Advocates (PCAs) about comprehensive coverage for treatments, medications, fertility preservation and donor tissue purchase.

Progyny
Phone: (844) 930-3340
Website: Progyny

Sword Health

Sword Health is a leading musculoskeletal (MSK) benefits solution offering virtual physical therapy for back, joint and muscle pain, 24/7 on-call care, and access to research, videos and tools necessary for a holistic recovery journey — all from the comfort of home at no additional cost.

Sword Health
Phone: (888) 492-1860
Website: Sword Health

Bloom

Bloom, by Sword, will offer therapy for a multitude of women’s health issues at all life stages, including pregnancy, postpartum, and menopause. This preventive service is offered at no-cost to HDHP and PPO participants.

Health Savings Account (HSA)

Bank of America
Phone: (877) 785-6698
Website: Bank of America

Houston Methodist Facilitated Access

Phillips 66 employes have facilitated access to Houston Methodist’s eight hospitals when needed. An exclusive telephone number puts you in contact with specialist referral liaisons to offer guidance to in-network physicians. Liaisons are available Monday-Friday, 8 a.m. – 5 p.m.

Houston Methodist Facilitated Access
Phone: (844) 315-5476
Website: Houston Methodist

Medical Carriers by Location

The health plan carrier available to you is based on where you live.

• Map of Aetna vs. BCBS

Telemedicine

Available through your carrier, telemedicine gives you 24/7 access to a national network of U.S. board-certified doctors at a low cost.

Aetna Teladoc

Contacts

Phone: (855) 835-2362
Website: Teladoc
Guide: Teladoc Guide
Fee: $10 copay, after deductible

BCBS MDLIVE

Contacts

Phone: (888) 680-8646
Website: MDLIVE
Guide: MDLIVE Guide
Fee: $10 copay, after deductible

Second Opinion & Expert Advice Service

Included Health and Centers of Excellence (COE) provide access to expert medical advice and the best care from leading doctors.

Included Health

Included Health is available at no cost to guide your healthcare decisions. When you need help finding a top-tier doctor or healthcare professional in your area, or if you would like to receive over-the-phone information and support, Included Health is here to help.

For certain Included Health services, a member from your Care Team will reach out to you to learn about your exact needs. They will take care of everything, from finding you the right doctor to collecting your medical records. Included Health also offers an expert medical second opinion from a world leading expert at no cost.

Download the Included Health app or visit the website to access these benefits and get started.

Phone: (844) 339-6732
Website: Included Health
Video: Included Health Video

Centers of Excellence (COE)

COEs are facilities that your provider has designated for delivering clinically proven specialty health care and qualify for reduced coinsurance. Details are available on your provider site.

Aetna: Aetna Institutes of Quality®
BCBS: Blue Distinction Center*

*Only BDC+ centers qualify for reduced coinsurance.

PPO Option

With the exception of preventive care, medical service copays and prescription drug costs, you will generally pay the cost of services until your deductible is met. After your deductible is met, medical service copays and prescription drug costs will remain the same and coinsurance will then apply to most other covered services. If you are enrolled in the PPO option, you will not be eligible to contribute to a Health Savings Account, but you may be eligible to participate in the Health Care Flexible Spending Account (FSA). See Flexible Spending Plan for details on how to participate and additional details.

Using the Medical Benefit Options

Use the links below to access plan benefits and services.

Aetna

Contacts

Call your Health Advocate to locate network providers, obtain ID cards, access claims information and more.
Phone: (855) 267-4184
Website: Aetna
Aetna Informed Health® Line – 24 Hour Nurseline
Phone: (800) 556-1555

Resources

BCBS

Contacts

Call your Health Advocate to locate network providers, obtain ID cards, access claims information and more.
Phone: (855) 594-4233
Website: BCBS

BCBS Network: Oklahoma residents: Blue OptionsSM PPO Network;
All Others: BlueChoice® PPO Network
BCBS – 24 Hour Nurseline
Phone: (800) 581-0368

Resources

Houston Onsite Medical Clinic

Contacts

If you are in or visiting the Houston office, we provide access to an onsite medical clinic staffed by a Memorial Hermann Physician and Physician Assistant. Make appointments for office visits, wellness exams, chronic illness management, biometric screenings, and a variety of other services.
The Medical Office at Phillips 66
Phone: (832) 658-3260
Address: 2331 CityWest Blvd., South Tower, 2nd Floor
Houston, TX 77042
Website: Memorial Hermann

Prescription Drug Benefits

CVS Caremark
Phone: (888) 208-9634
Website: CVS Caremark

PrudentRx

If opting into the PrudentRx specialty drug program, all specialty medications on the PrudentRx specialty drug list are $0 out-of-pocket, otherwise subject to 30% coinsurance.

Resources for Living

Phone: (844) 766-7351 
Website: Resources for Living
Username: Phillips66
Password: RFL

Mental Health and Substance Use Disorder

Mental Health and Substance Use Disorder services are provided by your insurance carrier.

Aetna
Phone: (855) 267-4184
Website: Aetna
BCBS
Phone: (855) 594-4233
Website: BCBS

Lantern (Formerly SurgeryPlus)

As an alternative to utilizing Aetna or BCBSTX for eligible covered surgical services under your HDHP and PPO medical benefit, you may choose to utilize Lantern. Lantern is an additional medical benefit that provides you with access to care for many planned surgical procedures (orthopedics, spine, general surgery, etc.). If you choose to utilize this service, you will work with a Lantern network provider. For all eligible procedures, coinsurance will be waived after deductible is met. You are not required to use Lantern unless you are considering bariatric surgery. All bariatric surgeries require the use of a Lantern network provider.

Lantern
Phone: (833) 423-3068
Website: Lantern

Fertility Benefits

Progyny provides an inclusive family-building benefit for every unique path to parenthood. Progyny fertility benefits include access to a premier network of fertility experts and personalized guidance from dedicated Patient Care Advocates (PCAs) about comprehensive coverage for treatments, medications, fertility preservation and donor tissue purchase.

Progyny
Phone: (844) 930-3340
Website: Progyny

Sword Health

Sword Health is a leading musculoskeletal (MSK) benefits solution offering virtual physical therapy for back, joint and muscle pain, 24/7 on-call care, and access to research, videos and tools necessary for a holistic recovery journey — all from the comfort of home at no additional cost.

Sword Health
Phone: (888) 492-1860
Website: Sword Health

Bloom

Bloom, by Sword, will offer therapy for a multitude of women’s health issues at all life stages, including pregnancy, postpartum, and menopause. This preventive service is offered at no-cost to HDHP and PPO participants.

Houston Methodist Facilitated Access

Phillips 66 employes have facilitated access to Houston Methodist’s eight hospitals when needed. An exclusive telephone number puts you in contact with specialist referral liaisons to offer guidance to in-network physicians. Liaisons are available Monday-Friday, 8 a.m. – 5 p.m.

Houston Methodist Facilitated Access
Phone: (844) 315-5476
Website: Houston Methodist

Medical Carriers by Location

The health plan carrier available to you is based on where you live.

• Map of Aetna vs. BCBS

Telemedicine

Available through your carrier, telemedicine gives you 24/7 access to a national network of U.S. board-certified doctors at a low cost.

Aetna Teladoc

Contacts

Phone: (855) 835-2362
Website: Teladoc
Guide: Teladoc Guide
Fee: $15 copay

BCBS MDLIVE

Contacts

Phone: (888) 680-8646
Website: MDLIVE
Guide: MDLIVE Guide
Fee: $15 copay

Second Opinion & Expert Advice Service

Included Health and Centers of Excellence (COE) provide access to expert medical advice and the best care from leading doctors.

Included Health

Included Health is available at no cost to guide your healthcare decisions. When you need help finding a top-tier doctor or healthcare professional in your area, or if you would like to receive over-the-phone information and support, Included Health is here to help.

For certain Included Health services, a member from your Care Team will reach out to you to learn about your exact needs. They will take care of everything, from finding you the right doctor to collecting your medical records. Included Health also offers an expert medical second opinion from a world leading expert at no cost.

Download the Included Health app or visit the website to access these benefits and get started.

Phone: (844) 339-6732
Website: Included Health
Video: Included Health Video

Centers of Excellence (COE)

COEs are facilities that your provider has designated for delivering clinically proven specialty health care and qualify for reduced coinsurance. Details are available on your provider site.

Aetna: Aetna Institutes of Quality®
BCBS: Blue Distinction Center*

*Only BDC+ centers qualify for reduced coinsurance.

Kaiser HMO Options

You may have an HMO option if you live in one of the Kaiser service areas in California or Washington. Kaiser provides medical and prescription drug coverage from doctors and facilities participating in the Kaiser network only. The HMO option does not have a deductible and you will pay a copay or coinsurance for covered services and prescription drug costs, with the exception of preventive care. If you are enrolled in the HMO option, you will not be eligible to contribute to a Health Savings Account, but you may be eligible to participate in the Health Care Flexible Spending Account (FSA). See Flexible Spending Plan for details on how to participate and additional details.

Contacts

Call Member Services to obtain ID cards, access claims information and more.

Kaiser Permanente
Phone: (800) 464-4000
Website: Kaiser Permanente

Resources

Resources for Living

Phone: (844) 766-7351 
Website: Resources for Living
Username: Phillips66
Password: RFL

Second Opinion & Expert Advice Service

Included Health and Centers of Excellence (COE) provide access to expert medical advice and the best care from leading doctors.

Included Health

Included Health is available at no cost to guide your healthcare decisions. When you need help finding a top-tier doctor or healthcare professional in your area, or if you would like to receive over-the-phone information and support, Included Health is here to help.

For certain Included Health services, a member from your Care Team will reach out to you to learn about your exact needs. They will take care of everything, from finding you the right doctor to collecting your medical records. Included Health also offers an expert medical second opinion from a world leading expert at no cost.

Download the Included Health app or visit the website to access these benefits and get started.

Phone: (844) 339-6732
Website: Included Health
Video: Included Health Video

Plan Documentation

Review the materials below to learn more about plan details.

Summary Plan Descriptions

Annual Legal Notices

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