Phillips 66 Company

Retiree Medical

Eligibility for retiree medical options are based on your age + years of service 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 Phillips 66 Benefits Center 30 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 Phillips 66 Benefits Center for information.

See the monthly premiums below (effective January 1, 2026 to December 31, 2026) to compare plan pricing:

2026 HDHP Option and PPO Option Retiree Monthly Premiums
Plan You only, Spouse only or Children only You + spouse You + child(ren)
or
Spouse + child(ren) 		You, spouse and child(ren)
Retiree Cost
HDHP Option $1,219.00 $2,438.00 $1,585.00 $2,804.00
PPO Option $2,104.00 $4,209.00 $2,736.00 $4,840.00
For Medicare-eligible retirees and dependents who are age 65 or over
Post-65 Option You must inform the Phillips 66 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 Phillips 66 Benefits Center will help you understand those options and the premiums.
2026 Kaiser Permanente HMO Option Retiree Monthly Premiums*
Plan You only, Spouse only or Children only You + spouse You + child(ren)
or
Spouse + child(ren) 		You, spouse and child(ren)
California $1,448.24 $3,055.79 $3,055.79 $4,228.86
Washington $1,789.11 $3,775.02 $3,775.02 $5,224.20
Medicare-eligible HMO coverage Contact Kaiser at (800) 464-4000 or online at 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.

Turning age 65

Medicare coverage for eligible participants begins on the first day of the month of their 65th birthday (or the first day of the prior month if their birthday is on the first day of the month). If you are eligible for Medicare, pre-65 retiree medical coverage for an enrolled participant will end on the last day of the month before turning 65. (For example, if your birthday is Oct. 15, you will have pre-65 coverage through Sept. 30 and Medicare coverage will begin Oct. 1.) Medicare Enrollment occurs Oct. 15 – Dec. 7.

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 Phillips 66 Benefits Center 30 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.

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

Resources

Prescription Drug Benefits

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

PrudentRx

Scripta Prescription Savings

Virta

Virta is a clinically supported nutrition program designed to facilitate weight loss, provide access to GLP-1 prescriptions, and support the management or reversal of type 2 diabetes. Virta is available at no additional cost to HDHP and PPO participants.

Virta
Website: go.virta.com/phillips66
Support: support@virtahealth.com

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

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 will 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 & Bloom

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.

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.

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

Color

For participants enrolled in the HDHP and PPO plans, Color will offer at-home preventive screening kits for colorectal, cervical, skin and prostate cancers plus genetic testing that looks for inherited mutations that increase the likelihood of developing certain cancers.

Get help scheduling in-person, in-network cancer screenings like mammograms and colonoscopies.

Gain access to virtual visits with a team of cancer experts who can help you navigate screening, treatment, logistical, financial and mental well-being concerns.

Color
Phone: (844) 352-6567
Website: Color

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: Log on to Phillips 66 Benefits Center
  2. Phone: Call the Phillips 66 Benefits Center at (800) 965-4421

For more information regarding enrollment and eligibility contact the Phillips 66 Benefits Center.

Telemedicine

Teladoc Health is a more robust telemedicine experience. Enhanced telemedicine services will include Virtual Primary Care (Teladoc 360), 24/7 care (non-urgent, acute care), dermatology and mental health support.

Teladoc Health

Contacts

Phone: (800) 835-2362
Website: Teladoc
Fee: $10 copay, after deductible 

Resources

Resources

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
Register: How to Register on the Included Health App

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:
BCBS:

*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.

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

Resources

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

Resources

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.

Scripta Prescription Savings

Virta

Virta is a clinically supported nutrition program designed to facilitate weight loss, provide access to GLP-1 prescriptions, and support the management or reversal of type 2 diabetes. Virta is available at no additional cost to HDHP and PPO participants.

Virta
Website: go.virta.com/phillips66
Support: support@virtahealth.com

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

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, deductible and coinsurance will be waived. All bariatric surgeries will 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 & Bloom

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.

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.

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

Color

For participants enrolled in the HDHP and PPO plans, Color will offer at-home preventive screening kits for colorectal, cervical, skin and prostate cancers plus genetic testing that looks for inherited mutations that increase the likelihood of developing certain cancers.

Get help scheduling in-person, in-network cancer screenings like mammograms and colonoscopies.

Gain access to virtual visits with a team of cancer experts who can help you navigate screening, treatment, logistical, financial and mental well-being concerns.

Color
Phone: (844) 352-6567
Website: Color

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: Log on to Phillips 66 Benefits Center
  2. Phone: Call the Phillips 66 Benefits Center at (800) 965-4421

For more information regarding enrollment and eligibility contact the Phillips 66 Benefits Center.

Telemedicine

Teladoc Health is a more robust telemedicine experience. Enhanced telemedicine services will include Virtual Primary Care (Teladoc 360), 24/7 care (non-urgent, acute care), dermatology and mental health support.

Teladoc Health

Contacts

Phone: (800) 835-2362
Website: Teladoc
Fee: $15 copay

Resources

Resources

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
Register: How to Register on the Included Health App

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:
BCBS:

*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.

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 or Washington 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

Prescription Drug Benefits

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

PrudentRx

Scripta Prescription Savings

Virta

Virta is a clinically supported nutrition program designed to facilitate weight loss, provide access to GLP-1 prescriptions, and support the management or reversal of type 2 diabetes. Virta is available at no additional cost to HDHP and PPO participants.

Virta
Website: go.virta.com/phillips66
Support: support@virtahealth.com

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

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, deductible and coinsurance will be waived. You are not required to use Lantern unless you are considering bariatric surgery. All bariatric surgeries will require the use of a Lantern network provider.

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

Color

For participants enrolled in the HDHP and PPO plans, Color will offer at-home preventive screening kits for colorectal, cervical, skin and prostate cancers plus genetic testing that looks for inherited mutations that increase the likelihood of developing certain cancers.

Get help scheduling in-person, in-network cancer screenings like mammograms and colonoscopies.

Gain access to virtual visits with a team of cancer experts who can help you navigate screening, treatment, logistical, financial and mental well-being concerns.

Color
Phone: (844) 352-6567
Website: Color

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: Log on to Phillips 66 Benefits Center
  2. Phone: Call the Phillips 66 Benefits Center at (800) 965-4421

For more information regarding enrollment and eligibility contact the Phillips 66 Benefits Center.

Telemedicine

Teladoc Health is a more robust telemedicine experience. Enhanced telemedicine services will include Virtual Primary Care (Teladoc 360), 24/7 care (non-urgent, acute care), dermatology and mental health support.

Teladoc Health

Contacts

Phone: (800) 835-2362
Website: Teladoc
Fee: $15 copay

Resources

Resources

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
Register: How to Register on the Included Health App

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:
BCBS:

*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 Phillips 66 Benefits Center at (800) 965-4421 or Alight Retiree Health Solutions 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: Log on to Phillips 66 Benefits Center
  2. Phone: Call the Phillips 66 Benefits Center at (800) 965-4421

For more information regarding enrollment and eligibility contact the Phillips 66 Benefits Center.

Plan Documentation

Review the materials below to learn more about plan details.

Summary Plan Descriptions

Annual Legal Notices

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