Phillips 66 Company

Retiree Medical

The retiree medical options for which you’re eligible are based on your age and whether you’re eligible for Medicare. You and a dependent will have different retiree medical options if you’re eligible for Medicare and your dependent is not (or vice versa) or if one of you is under age 65 and the other is age 65 or over. You should notify the Benefits Center 90 days prior to a change in your or your dependent’s Medicare eligibility.

Health & Well-Being Tools

The links below will help with reviewing your options:


Retiree Medical Premiums

Your cost for retiree medical coverage is based on the plan option and level of coverage you elect. Your premiums will be different if you’re eligible for Medicare and your dependent is not (or vice versa) or if one of you is under age 65 and the other is age 65+. Please contact the Benefits Center for information.

See the monthly premiums below (effective January 1, 2019 to December 31, 2019) to compare plan pricing:

2019 HDHP Option and PPO Option Retiree Monthly Premiums
Plan You only or Spouse only You + spouse You, spouse and child(ren) You + child(ren)
or
Spouse + child(ren)
Children
Retiree Cost
HDHP Option $840.00 $1,681.00 $1,933.00 $1,093.00 $252.00
PPO Option $1,451.00 $2,902.00 $3,337.00 $1,886.00 $435.00
For Medicare-eligible retirees and dependents who are age 65 or over
Post-65 Option You must inform the Benefits Center (1-800-965-4421) within 30 days if you or a covered dependent becomes eligible for Medicare for any reason. Your coverage options may change as a result of Medicare eligibility, and the Benefits Center will help you understand those options and the premiums, including the option to enroll in Medicare Part D and elect medical-only coverage under the Phillips 66 Plan.
2019 Kaiser Permanente HMO Option Retiree Monthly Premiums*
Plan You only or Spouse only You + spouse You, spouse and child(ren) You + child(ren)
or
Spouse + child(ren)
Children
California $1,017.55 $2,147.02 $2,971.25 $2,147.02 $1,017.55
Washington $1,235.42 $2,606.74 $3,607.43 $2,606.74 $1,235.42
Medicare-eligible HMO coverage Contact Kaiser at (800) 464-4000 or online at www.kaiserpermanente.org if you or a covered dependent are eligible for Medicare.

Click here for complete Retiree Monthly Premiums.

*Only available for retirees who live in the HMO’s service areas in California and Washington.

If One of You Is Under Age 65 and the Other is Age 65 or Older

Your retiree medical coverage is based on your age and whether you’re eligible for Medicare. You and a dependent may each have different retiree medical coverage if you’re eligible for Medicare and your dependent is not (or vice versa) or if one of you is under age 65 and the other is age 65 or older. You should notify the Benefits Center 90 days prior to a change in your or your dependent’s Medicare eligibility.


Retiree Medical Account

If you were hired prior to January 1, 2013, you may have credits in a Retiree Medical Account (RMA) to help offset the cost of premiums. To learn more about the Retiree Medical Account, see the ‘Retiree Medical Accounts’ section of the Health & Well-being Handbook

Coverage through the Exchange

In addition to the retiree medical options described in this section, retirees eligible for the Phillips 66 retiree medical account (RMA) may use their credits to purchase coverage through a public health insurance exchange. The options available on the exchange will vary based on your Medicare eligibility and where you live. Phillips 66 retirees can access resources to help identify options available to them by contacting Health Coverage Resources.


HDHP Option (For retirees and dependents who are NOT eligible for Medicare)

With the exception of 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 an annual contribution to your HSA.

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

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 – 24 Hour Nurseline
Phone: (800) 581-0368

Mental Health and Substance Abuse

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

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

Medical Carriers by Location

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

Map of Aetna vs. BCBS


Electing Retiree Medical Coverage

If you become eligible for Retiree medical coverage, contact:

  1. Online: Logon to UPoint (formerly YBR)
  2. Phone: Call the Benefits Center at (800) 965-4421

For more information regarding enrollment and eligibility contact the Benefits Center.


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

Minute Clinics

Minute Clinics are walk-in medical clinics staffed by nurse practitioners and physician assistants who specialize in family health care. No appointment is needed. If you’re enrolled in the HDHP option, you pay a $10 copay, after deductible. If you’re enrolled in the PPO option, you pay a $15 copay for services. Locate a Minute Clinic.


Second Opinion & Expert Advice Service

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

Grand Rounds

Grand Rounds is available at no cost to guide your healthcare decisions. When you need help finding a top-tier doctor or healthcare professional, a second opinion from a world leading expert or if you would like to receive over-the-phone information and support Grand Rounds is here to help.

Through online and mobile app tools, you’ll be able to search for the best network healthcare providers in your area, know whether you can expect a fair price for services and explore different Phillips 66 benefits available to you and when to use them.

Phone: (844)-339-6732
Website: Grand Rounds
Video: Grand Rounds 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 (For retirees and dependents who are NOT eligible for Medicare)

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

Aetna – Locate network providers, obtain ID cards and access claims information
Phone: (855) 267-4184
Website: Aetna
Aetna Informed Health® Line – 24 Hour Nurseline
Phone: (800) 556-1555

BCBS

Contacts

BCBS – Locate network providers, obtain ID cards and access claims information
Phone: (855) 594-4233
Website: BCBS
BCBS – 24 Hour Nurseline
Phone: (800) 581-0368

Mental Health and Substance Abuse

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

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

Medical Carriers by Location

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

Map of Aetna vs. BCBS


Electing Retiree Medical Coverage

If you become eligible for Retiree medical coverage, contact:

  1. Online: Logon to UPoint (formerly YBR)
  2. Phone: Call the Benefits Center at (800) 965-4421

For more information regarding enrollment and eligibility contact the Benefits Center.


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

Minute Clinics

Minute Clinics are walk-in medical clinics staffed by nurse practitioners and physician assistants who specialize in family health care. No appointment is needed. If you’re enrolled in the HDHP option, you pay a $10 copay, after deductible. If you’re enrolled in the PPO option, you pay a $15 copay for services. Locate a Minute Clinic.


Second Opinion & Expert Advice Service

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

Grand Rounds

Grand Rounds is available at no cost to guide your healthcare decisions. When you need help finding a top-tier doctor or healthcare professional, a second opinion from a world leading expert or if you would like to receive over-the-phone information and support Grand Rounds is here to help.

Through online and mobile app tools, you’ll be able to search for the best network healthcare providers in your area, know whether you can expect a fair price for services and explore different Phillips 66 benefits available to you and when to use them.

Phone: (844)-339-6732
Website: Grand Rounds
Video: Grand Rounds 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.


Pre-65 Medicare-eligible Options (For retirees and dependents who are under age 65 and eligible for Medicare)

The Medicare-eligible PPO option is identical to the PPO option available to non-Medicare-eligible retirees. No matter which plan you choose, it assumes you’re enrolled in Medicare and doesn’t pay benefits for expenses that are covered by Medicare. Also, if you’re enrolled in Medicare Part D, you can elect to waive prescription drug coverage under the Medicare-eligible PPO option in exchange for a lower monthly premium.

Note: For retirees and dependents who are under age 65 and eligible for Medicare, you CANNOT enroll in the HDHP option. Your ONLY option is the Medicare-eligible PPO option – or if you live in California within the HMO’s service area, you can enroll in the Kaiser Permanente HMO option by contacting Kaiser directly.

Option Highlights

Kaiser HMO Health Plan Details

Mental Health and Substance Abuse

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

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

Electing Retiree Medical Coverage

If you become eligible for Retiree medical coverage, contact:

  1. Online: Logon to UPoint (formerly YBR)
  2. Phone: Call the Benefits Center at (800) 965-4421

For more information regarding enrollment and eligibility contact the Benefits Center.


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

Minute Clinics

Minute Clinics are walk-in medical clinics staffed by nurse practitioners and physician assistants who specialize in family health care. No appointment is needed. If you’re enrolled in the HDHP option, you pay a $10 copay, after deductible. If you’re enrolled in the PPO option, you pay a $15 copay for services. Locate a Minute Clinic.


Second Opinion & Expert Advice Service

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

Grand Rounds

Grand Rounds is available at no cost to guide your healthcare decisions. When you need help finding a top-tier doctor or healthcare professional, a second opinion from a world leading expert or if you would like to receive over-the-phone information and support Grand Rounds is here to help.

Through online and mobile app tools, you’ll be able to search for the best network healthcare providers in your area, know whether you can expect a fair price for services and explore different Phillips 66 benefits available to you and when to use them.

Phone: (844)-339-6732
Website: Grand Rounds
Video: Grand Rounds 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.


Post-65 Medicare-eligible Options (For retirees and dependents who are age 65 or over and ARE eligible for Medicare)

If you are over age 65 and eligible for Medicare, you can learn more about the coverage options available to you by contacting the Benefits Center at (800) 965-4421 or the Aon Retiree Health Exchange directly at: (844) 335-9044, Health Coverage Resources.

Note: If you’re age 65 or over and NOT eligible for Medicare, you may continue coverage in the HDHP option or PPO option as outlined above.


Electing Retiree Medical Coverage

If you become eligible for Retiree medical coverage, contact:

  1. Online: Logon to UPoint (formerly YBR)
  2. Phone: Call the Benefits Center at (800) 965-4421

For more information regarding enrollment and eligibility contact the Benefits Center.


Important Plan Information

Review the materials below to learn more about plan details.

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