Inside this Issuehrcpdocctr.phillips66.com/Documents/HR Mobile App... · tips on making the most of your coverage: • Register on the CVS/caremark website: When you register as a

Important DatesMay 25

Memorial Day

June 1Lean in ’15 Challenge

begins

July 4Independence Day

July 15Lean in ’15 Challenge

ends

A Healthy Partnership . . . . . . . . . . . 2

The Perks of Having a Primary Care Physician . . . . . . . . . . . . . . . . 3

Protecting Your Data at the Doctor’s Office . . . . . . . . . . . . . . . . 4

Make the Most of Your Prescription Drug Coverage . . . . . . 5

Want to Get Lean in ’15? Join the WebMD Challenge! . . . . . . . . . . . . 6

HSA Bank to Become Our New HSA Administrator . . . . . . . . . . . . . . 7

Consider New Options for Retiree Medical . . . . . . . . . . . . . . . . . . . . . . 7

The Cash Balance Account — A Key Component of Your Retirement Savings . . . . . . . . . . . . . 8

Vanguard Security Enhancement . . 9

Medical Moment . . . . . . . . . . . . . . 10

Fitness Forum . . . . . . . . . . . . . . . . 11

Did You Know? . . . . . . . . . . . . . . . 11

Inside this Issue

BenefitsNews 2nd Quarter 2015


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A Healthy PartnershipSome people are blessed with good health, but for most of us, getting and staying healthy takes the right health care coverage and a commitment to our well-being . At Phillips 66, we offer a great start with our coverage options, but to make the most of that coverage, you need to do your part as well .

In this issue of BenefitsNews, we’ll look at easy steps to maximize your health care coverage . First, we’ll examine the importance of having a primary care physician (PCP) to help you make sound health care decisions and coordinate all your care .

In addition, we’ll tell you about the information and tools available through the CVS/caremark website to help you manage and save on prescription drug expenses, whether it’s finding a network pharmacy, using generic medications or accessing the comparison shopping tool to make smart consumer choices .

And don’t miss our announcement about the new Lean in ’15 wellness challenge from WebMD that focuses on the role of good nutrition in supporting your optimal health .

Last but not least, we’ll preview changes to retiree medical coming in 2016 that will give retirees even more flexibility and savings when it comes to coverage options .

In addition to quality benefit plans, Phillips 66 provides information, tools and resources to help you be your best . But keep in mind, that’s just half of your health care picture . The other half is in your hands, so take care to stay informed, make smart choices and make the most of the tools and resources available to help you enjoy a happier, healthier life .

Jesse Stephan Benefits Manager


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A 2011 Dartmouth study published in the Journal of the American Medical Association found that patients under the care of a primary care doctor are more likely to live longer and stay healthier .

Studying the medical claims of 5 million Medicare patients, researchers found that patients with the greatest access to primary care physicians were 9 percent less likely to be admitted to a hospital for preventable conditions and had a 5 percent lower death rate .

Choosing a PCPAs with any important relationship, you’ll want to make sure that you and your PCP are a good fit . Make sure your PCP is a network provider to obtain the highest benefit coverage . Here are some areas to consider when selecting a PCP:

1. Medical qualifications and experience: In addition to looking at education, you’ll want to ask about board certification and special areas of expertise .

The Perks of Having a Primary Care Physician2. Hospital affiliations: Decide if these

facilities are conveniently located to you . Check to see that they are accredited and meet high standards for quality and safety .

3. Communication style: Are you happy with a “just the facts” approach or do you prefer knowing all the details? Do you like to discuss other treatment options and their pros and cons? Are you comfortable with someone who’s very direct or do you prefer a nurturing personality?

4. After-hours policy: What happens if you have a sudden illness or injury and need to reach your PCP after office hours? Who is on-call to cover for your PCP if he or she is unavailable?

5. Protocol for handling patient calls: Ask about procedures for handling patient calls . Does he or she take calls during office hours? Is a nurse or assistant designated as a liaison to handle questions for your PCP?

Most of us do more research when buying a new smartphone than when seeking health care . The good news is that your primary care physician (PCP) can help make that process easier, by providing valuable guidance on health care decisions .

Managing Your Health CareYour PCP plays a central role in managing your health care . They:

• Understand your health history and habits

• Perform routine check-ups, preventive screenings and immunizations

• Diagnose and treat you for minor, acute and chronic conditions

• Provide referrals when needed, and coordinate your treatments and medications

• Advise on lifestyle changes to help you prevent or manage chronic illness

Need to Find a PCP?If you’re enrolled in the Consumer Plan or PPO Plan, simply visit your carrier’s website and follow the online instructions:

• Aetna Choice POS II Network: www.aetnanavigator.com

• BlueChoice® PPO Plan network in Texas; PPO network outside of Texas: www.bcbstx.com

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These days, it’s becoming more common for physicians to ask for patient Social Security numbers (SSNs) for billing and collection purposes . Please be aware that Phillips 66 does NOT require you to provide your SSN to your doctor’s or dentist’s office.

Providing your SSN is entirely voluntary, unless you are enrolled in a government health care plan such as Medicare, Medicaid, a Veterans Health Administration plan or TriCare, which require an SSN for reimbursement purposes .

According to the Social Security Administration (SSA), you should be cautious whenever you are asked for your SSN, due to risk of identity theft . However, there are times when a doctor’s office may ask you to confirm your SSN in instances where patients may have the same name and/or date of birth . In such instances, you should ask:

• Why do you need it?

• How will you use it?

• What law requires me to provide it?

• What are the consequences if I refuse?

If the doctor’s office is insistent, try asking if they will accept just the last four digits . Bottom line, if you’re not comfortable sharing your SSN with a health care provider, you have the right to decline the request .

Protecting Your Data at the Doctor’s Office

File Claims for 2014 FSA Expenses by June 30Remember, claims for the Health Care Flexible Spending Account (HCFSA) and/or Dependent Care Flexible Spending Account (DCFSA) for services rendered from Jan . 1, 2014 through Dec . 31, 2014 must be postmarked by June 30, 2015 .

You can obtain a claim form:

• In the Forms section on hr.phillips66.com

• On the Wage Works website, www.wageworks.com

• By calling the Claims Administrator at (877) 924-3967, 8:00 a .m . to 8:00 p .m . Eastern time, Monday – Friday

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Make the Most of Your Prescription Drug CoverageStudies show that prescription drug expenses are one of the biggest factors behind rising health care costs . With CVS/caremark, you can take advantage of savings on a wide range of generic and brand-name medications . Here are some tips on making the most of your coverage:

• Register on the CVS/caremark website: When you register as a user at www.caremark.com, you have access to a wide range of services for managing your prescription coverage, including:– Locating a pharmacy– Printing your ID card– Ordering and renewing prescriptions– Reviewing price comparisons

Just log onto www.caremark.com, and click “Register Now” to get started .

• Download the CVS/caremark mobile app: You can download the CVS/caremark mobile app either from www.caremark.com or from the HR Connect Mobile App and have all of your prescription drug info at your fingertips .

• Comparison shop: You can also use the website to track your Rx spend and learn about ways to save on prescription drugs (for example, by switching to an alternate drug or opting for a 90-day supply at mail order or through Maintenance Choice for long-term medications) . Additionally, for retail generic drugs, you can find locations that offer great savings (for example, you can obtain $4 generics on certain medications at Walmart) .

• Review the 2015 Formulary List: CVS/caremark periodically reviews the latest information on drugs, products and prices to ensure that covered medications work well and are cost-effective . Please review the 2015 Formulary List available in the Medical section on hr.phillips66.com to see the current generic and brand-name drugs covered under the Phillips 66 plan . Switching from a non-preferred brand to a preferred brand can save you significant money, and if available, moving to a generic can save you even more!

Sign Up for a Biometric ScreeningRemember, you need to complete a biometric screening and health assessment to participate in the 2016 Wellness incentive Program . Getting a biometric screening is an important step for preventive care . Your results must be submitted on or before November 30, 2015 .

To sign up for a biometric screening, visit the Onsite Health Diagnostics website at https://my.onsitehd.com/signup/phillips66 to:

• See the latest onsite screening schedule for your location .

• Register for an onsite screening, or

• Download a physician referral form, make an appointment with your local physician, and have your doctor fax the results to the number on the form .


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http://hr.phillips66.com


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Want to Get Lean in ’15? Join the WebMD Challenge! Looking to get slim and trim, but need a little help? Join WebMD’s Lean in ’15 nutrition challenge — an educational program — which starts June 1 and ends July 15!

With Lean in ’15, you can earn 25 points towards the Wellness Incentive Program and get more nutrition-savvy by:

• Take stock of your current nutrition habits;

• Learn to read nutrition labels;

• Understand serving sizes and portion control;

• Know the components of a healthy diet (including diets tailored to vegetarian, gluten-free or diabetic requirements); and

• Learn how to make better nutrition choices .

To learn more about the program’s eligible health activities, log into your WebMD account at www.webmdhealth.com/phillips66 and go to “Rewards .”

Get ready — the challenge starts June 1!

Lean in ’15 Challenge Registration Deadline: June 15You must complete the first step of the challenge by June 15 to be eligible for participation and the chance to earn 25 Wellness Incentive Program points .

http://www.webmdhealth.com/phillips66


HSA Bank to Become Our New HSA AdministratorLast year, JPMorgan Chase sold its health savings account (HSA) business to HSA Bank . As a result of this sale, HSA accounts for employees with Phillips 66 affiliated Chase HSA accounts will be transferred to HSA Bank . We anticipate the change to happen this fall and we’ll provide more information as the details become available .

Consider New Options for Retiree Medical

More Information Is Coming!We’re excited about the upcoming changes to the RMA and the greater flexibility and choice Phillips 66 retirees will have when choosing retiree medical coverage . Additional details will be available in the coming months prior to this year’s Annual Enrollment .

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A Quick Primer on Exchange OptionsMost Phillips 66 retirees will find that coverage options on the Exchange not only meet their health care needs, but also cost less than options available through Phillips 66 because they pool the insurance risk across more lives than just former Phillips 66 employees .

Exchange options are available in four tiers (bronze, silver, gold and platinum), to suit a range of coverage and budget needs . As a point of reference, the Phillips 66 Consumer Plan and PPO Plan are comparable to “gold tier” options .

While options in a tier may differ in insurance carrier and plan design, the actuarial value (the portion of the cost of services that would be paid by insurance) is essentially the same from option to option within each tier .

When Phillips 66 transitioned to the Retiree Medical Account (RMA) in 2013, the health insurance marketplace was preparing for change driven by health care reform . Since then, more medical coverage options have become available to retirees . In response to this changing health care landscape, we’re making enhancements to the RMA effective January 1, 2016:

• Added flexibility for RMA credits: You can use RMA credits, if eligible, not only to help pay for coverage options available through Phillips 66, but also to reimburse yourself for the cost of any retiree medical coverage purchased through the health insurance exchange (Exchange) .

• New consumer resources for choosing Exchange coverage: With so many additional options available to retirees on the Exchange, Phillips 66 is partnering with an outside vendor to provide resources for evaluating these new options . Licensed representatives will be available to provide information and answer questions . In addition, retirees will have access to online tools and resources to shop for and compare coverage options .

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The Cash Balance Account — A Key Component of Your Retirement SavingsFinancial security is important at any age, but especially so during retirement . Your benefit from the Cash Balance Account is one of the key components of your retirement savings — working with Social Security, your benefit under the Phillips 66 Savings Plan and your own personal savings, to provide valuable retirement income .

The chart below provides the basics about the Cash Balance Account . Remember, some employees may have access to other retirement benefits instead of the Cash Balance Account .

Cash Balance Account at a GlanceDo I need to enroll? No . If you’re eligible, you’re automatically enrolled .

Who pays? The company pays all costs . You can’t contribute .

What’s my benefit? Unlike a bank account, in which you deposit and accumulate money, the Cash Balance Account is a nominal (in name only) account, which means that instead of accumulating money, it accumulates credits .

Each month, your account increases with pay credits and interest credits . Your benefit is based on the total amount of those credits in your account when you leave the company, your age when your benefit payments begin, and the form of payment you elect .

Your benefit is viewable on YBR or HR Express .

When am I vested? Generally, you’re vested after three years of service . That means the value of your account is yours to keep when you leave the company .

When do I get my benefit? You can start taking your vested benefit as early as the first day of the month after you leave the company . However, you must take your benefits when you reach your normal retirement date, unless you’re still employed by the company at that time . Don’t forget to keep in mind that tax penalties may be associated with early withdrawal .

What is my normal retirement date? It’s the first day of the month closest to your 65th birthday .

How is my benefit paid? You have a choice of annuities (monthly payments for life) . You can choose payments for your lifetime only, or for the combined lifetimes of you and your spouse . Or you can choose to take it in a lump sum . If you’re married, you’ll need your spouse’s consent for some of the options .

Even though Phillips 66 contributes 100% to your Cash Balance Account, it’s valuable to understand how the plan works and how your benefit is accrued . To learn more about the Cash Balance Account and its role in your retirement picture, see the Cash Balance Summary Plan Description at hr.phillips66.com .

Check Out Your Social Security EstimateTo get an idea of your estimated Social Security benefit, based on your actual earnings record, check out the Retirement Estimator available on the Social Security Administration web site at http://www.ssa.gov/retire2/estimator.htm .

Like the Cash Balance Account, your Social Security benefit helps you build a foundation for retirement . So be sure to keep track of your earnings and verify this information every year .

http://hr.phillips66.com


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Vanguard Security EnhancementAre You Protecting Your Vanguard Account?Vanguard is committed to protecting your Phillips 66 Savings Plan account . Throughout 2015, you’ll receive communications from Vanguard about security enhancements designed to help ensure a safer online experience . Watch for these Vanguard email communications in the coming months to learn more about tools you can use to provide added security to your Phillips 66 Savings Plan account .

Don’t forget! If you ever want to confirm that a communication you receive from Vanguard is genuine, call Vanguard Participant Services at 800-523-1188 weekdays from 7:30 a .m . to 8 p .m . CT and find out .


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Body Mass Index (BMI) is one of the factors measured when you get a biometric screening . Your BMI tells you if you’re underweight, overweight or the appropriate weight for your height .

Because BMI focuses on body fat, an unhealthy BMI can be a red flag for serious health problems such as cardiovascular disease, hypertension, high blood pressure, diabetes, and cancer .

Understanding BMI RangesThe chart below shows BMI ranges for adults . Although these ranges apply to most people, there are exceptions . For example, women who are pregnant or lactating may not have a BMI within the normal range . In addition, some competitive athletes and body builders will have a much higher BMI because they have a larger amount of muscle .

BMI Weight StatusBelow 18.5 Underweight

18.5 – 24.9 Normal

25.0 – 29.9 Overweight

30.0 and Above Obese

Want to check your BMI? WebMD offers a BMI calculator online at their site www.webmdhealth.com/phillips66 .

Different Factors for Children and TeensBMI calculations for children and teenagers also take into account age and gender, since their level of body fat changes with age and the amount of body fat differs between boys and girls . To reflect these differences, the BMI chart for children and teenagers includes age- and gender-specific ranges .

Worried About Your BMI?If you’re concerned that your BMI is outside the normal range, be sure to consult your physician before making any changes to your diet or level of physical activity . You can also contact WebMD and speak with a health coach .

The Basics About Body Mass IndexMedical Moment


Does Your BMI Need a Healthy Boost?Trying to lower your BMI? Be sure to participate in the Lean in ’15 challenge beginning June 1. See “Want to Get Lean in ’15? Join the WebMD Challenge!” on page 6 for more details.

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Did You Know? Good news — we’re taking steps to get healthier at Phillips 66! Check out a few fast facts on our progress made in 2014:

• Nearly 7,000 employees are earning a discount on their medical premiums in 2015 because they participated in the Wellness Incentive Program in 2014 . Of those, 60% are receiving the full $75 per month discount!

• 67% of employees reported that they have a poor diet . Learn how to improve your nutrition by participating in Lean in ’15 . See “Want to Get Lean in ’15? Join the WebMD Challenge!” on page 6 for more details .

• Over 3,500 employees talked to a health coach over the phone last year . Get expert help to build healthier habits — take advantage of the coaching program with WebMD .

• The percentage of employees outside the healthy BMI range decreased from 79% to 77% .

We’re on the right track, but we could do even more . Let’s stay focused by eating right, staying active and making the most of the wellness programs and resources available to boost our health and well-being!

While working out on a regular basis is a good thing, repeating the same exercises day after day could actually prevent you from making progress . Research shows that your muscles get accustomed to doing the same fitness routine, so your rate of progress may slow down or even plateau over time . To breathe new life into your workout, try the following tips:

• Try new equipment: If you work out with barbells or dumbbells, try elastic bands or cables . If you usually do the treadmill, try the stair stepper instead .

• Vary your speed: Instead of fast reps with light weights, try slower reps with heavier weights . If you’re a jogger, try some intervals of speed walking or sprinting .

• Check out a new class: If you’re an aerobics fanatic, try a kickboxing class . Swap out your regular Zumba class for a cycling or step class .

• Alter your sequence: Change the order of your exercises . If you typically do upper body work Mondays and Wednesdays, work your lower body instead . If you always do cardio before weights, try swapping the order and do weights first .

• Change your scenery: Do some hill work instead of jogging on a flat surface . Check out a new hiking trail or bike trail .

• Use the buddy system: If you always work out by yourself, try exercising with a friend . You might find that the two of you will push each other in a positive way for an even better workout .

So if your exercise regimen has become a chore, try adding some variety to your routine . By making just a few changes, you’ll stay motivated, work new muscles and see better results in the long run .

Breathe New Life into Your WorkoutFitness Forum

BenefitsNews is produced by Phillips 66 U .S . Benefits . To provide feedback on the articles in the newsletter, send an email to [email protected] . This newsletter provides highlights of the health, welfare, retirement and savings benefits and is for information purposes only . Receipt of this document does not guarantee eligibility for the associated plan . Eligibility for benefits is governed by the specific terms and conditions of the official plan document and any underlying insurance contracts . If there is any discrepancy or conflict between these highlights and the terms of the official plan documents and any underlying insurance contracts, as applicable, the official plan documents and insurance contracts, as applicable, will control . Phillips 66 reserves the right to amend, change or terminate the plans, any underlying contract or any other program, at any time without notice, at its sole discretion, according to the terms of the plan or program .

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• New Options for Retiree Medical

• Protecting Your Data at the Doctor’s Office

• How to Get More Lean in ’15

• Vanguard’s New Security Enhancement

Don’t miss in this issue!

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