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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

Your cost for medical coverage is based on the plan option and level of coverage you elect.

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

Plan Employee Only Employee + Spouse /
Domestic Partner		 Employee + Child(ren) Employee + Family
HDHP Option $45.00 $189.00 $189.00 $296.00
PPO Option $202.00 $439.00 $439.00 $607.00
Kaiser HMO Option - California $182.29 $384.93 $384.93 $531.89
Kaiser HMO Option - Washington $200.14 $423.74 $423.74 $586.09

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.

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

Workplace EAP

Workplace EAP Coordinators are licensed in mental health and certified in employee assistance. These internal EAP staff are Phillips 66 employees like you, are familiar with our benefits programs and provide confidential assistance with work-related concerns such as work stress, conflict with others and achieving better work/life balance. Workplace EAP staff can also assist with mental health issues that effect work such as anxiety, depression and addictions. Staff can also provide supervisors and managers with confidential consultation about work-related issues such as conflict in the workplace, workplace stress and coping with change.

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

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

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

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

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 Progyny Care Advocates (PCAs) about comprehensive coverage for treatments, medications, fertility preservation and donor tissue purchase.

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

Our mental health and well-being benefit, Lyra provides access to convenient well-being offerings - from therapy and mental health coaching sessions to 24/7 virtual support and so much more. Using Lyra is completely confidential, so you will have access to all kinds of useful resources with total discretion.

Phone: (877) 390-4980
Website: Lyra

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

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

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.

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

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 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

Our mental health and well-being benefit, Lyra provides access to convenient well-being offerings - from therapy and mental health coaching sessions to 24/7 virtual support and so much more. Using Lyra is completely confidential, so you will have access to all kinds of useful resources with total discretion.

Phone: (877) 390-4980
Website: Lyra

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

Workplace EAP

Workplace EAP Coordinators are licensed in mental health and certified in employee assistance. These internal EAP staff are Phillips 66 employees like you, are familiar with our benefits programs and provide confidential assistance with work-related concerns such as work stress, conflict with others and achieving better work/life balance. Workplace EAP staff can also assist with mental health issues that effect work such as anxiety, depression and addictions. Staff can also provide supervisors and managers with confidential consultation about work-related issues such as conflict in the workplace, workplace stress and coping with change.

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

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 Progyny Care Advocates (PCAs) about comprehensive coverage for treatments, medications, fertility preservation and donor tissue purchase.

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

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

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

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

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.

Our mental health and well-being benefit, Lyra provides access to convenient well-being offerings - from therapy and mental health coaching sessions to 24/7 virtual support and so much more. Using Lyra is completely confidential, so you will have access to all kinds of useful resources with total discretion.

Phone: (877) 390-4980
Website: Lyra

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.

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.

Plan Documentation

Review the materials to learn more about plan details.