the path to
Your direct route
to the coverage
Get the most of your
Programs to inspire
a healthy lifestyle
2013 Annual Benefits Enrollment (Guide)
Table of Contents
3 Be Proactive
5 What’s New in 2013
6 Health Care Reform
7 Comparing Your Medical Options
8 How the HDHP with HSA Works
9 HSA and FSA – How Do They Stack Up
10 Value for Your Prescription Drug Benefits
12 Ways to Wellness – And Savings
13 Be Informed, Save More
14 Enrolling Is Easy
15 Contacts and Resources
At ConocoPhillips, we offer a variety of benefits that deliver real value to you and your family.
Getting the most from these benefits is up to you. That’s why Annual Benefits Enrollment is so
important – it’s your opportunity to make benefit elections for the coming year.
Review the information in this Guide, including details about what’s changing for 2013. Use
the online estimating and comparison tools on Your Benefit Resources (YBR) to help you
decide on the right coverage for you and your family.*
Then, enroll online or by phone – it’s that simple.
If you have questions or need additional support, contact a Benefits Center representative at
800-622-5501 or 718-354-1344, from 8 a.m. to 6 p.m., Central time, Monday through Friday.
When You’re Ready to Enroll
Enroll online by logging on to YBR. Get to YBR in one of three ways:
1. Visit HR Express on eStream and click through this path: Health and Welfare >
Your Benefits Resources (YBR).
2. Get to YBR directly: Go to
and enter your previously established user ID
3. NEW! Use the YBR mobile enrollment site on
your personal device. Just go to
enter your previously established user ID and password.
If you were hired on or after
October 1, you must enroll
for 2012 and 2013 benefits.
Please contact the Benefits
Center with any questions.
You also can enroll by phone with a Benefits Center representative at 800-622-5501 or
718‐354-1344, from 8 a.m. to 6 p.m., Central time, Monday through Friday. For your
protection, your password is required.
* Note to Expatriates: Your medical and dental coverage is offered through Aetna International; therefore, the medical, prescription drug
and dental information in this Guide does not apply to you. Please refer to the separate communication (posted on hr.conocophillips.com)
regarding the Aetna International medical option for 2013. To participate in a Flexible Spending Account in 2013, you must enroll during Annual
Enrollment begins Oct. 29 and ends at midnight Central time Nov. 16, 2012.
What an exciting time it is at ConocoPhillips. We’re just a few months past Day
One, and I can see the progress we have made and feel the sense of new
beginnings. We remain committed to our foundational values – of safety for our
people and our environment – while we’re also devoting renewed energy to our
fiscal – and physical – health. Before you review this Annual Benefits Enrollment
Guide, I’d like to highlight a couple of key benefit changes for 2013:
We’ve streamlined your benefit choices for next year, offering a choice
between our two most popular medical options. This choice gives you the power
to manage your costs based on your specific needs. ConocoPhillips is committed to
providing you a valuable benefits package and continues to foot the greatest share
of the cost, making these benefits exceptionally affordable for you.
In the next few months, we also will share information about new health
management and wellness programs. Our goal is to promote – and incent – a
healthy lifestyle for you and your family. These programs reflect the big investment
we make in you, and we encourage you to take advantage of them so you and
your family continue to be healthy.
I ask you to take time now to explore all your benefit features so you can make wise,
well-informed choices about what’s right for you and your family. It’s time for 2013
Annual Benefits Enrollment, and reviewing all your enrollment materials, including
this Guide, is a great place to start.
Sheila Feldman, VP of Human Resources
What’s New in 2013
As outlined below, we are making several changes for 2013, including moving to two core medical
options, the HDHP and PPO. Due to low enrollment and high costs, the EPO and Traditional medical
options will no longer be offered. You must take action to enroll in the HDHP with HSA or PPO medical
options. You can also find more information on YBR.
High Deductible Health Plan, or HDHP
If you qualify for the Know Your Numbers payroll credit, your
monthly costs will be $0 for all coverage levels. Otherwise,
your monthly costs will stay at $50. In part, as a result of
new IRS requirements, deductibles will increase to $1,400
for You Only coverage and $2,800 for other coverage levels.
A non‐network annual out-of-pocket maximum has been
added: $5,000 for You Only coverage and $10,000 for other
Preferred Provider Organization, or PPO
Based on participants’ utilization and medical inflation,
monthly costs (for you and ConocoPhillips) will increase.
The network deductible will increase to $700 for You Only
coverage and $1,400 for other coverage levels, and the
non-network deductible will increase to $1,400 and $2,800.
Long-Term Disability (LTD) and Life insurance
MetLife will continue to be our provider for LTD and will
become our provider for life insurance. You will see a decrease
in monthly costs for LTD and a slight increase in life insurance
costs; however, all benefits and coverage will remain
Note: For 2013 Annual Benefits Enrollment only, there
will be an open enrollment for LTD. You can enroll in basic
or enhanced LTD without evidence of insurability (EOI).
For more information, call the Benefits Center.
Flexible Spending Accounts, or FSAs
As a result of health care law changes, the maximum
contribution to the Health Care FSA is limited to $2,500 in
2013. The Dependent Day Care FSA maximum contribution
will remain $5,000.
Retiree Medical, Dental and Life
If you are eligible for retiree medical on December 31, 2012,
you will continue to be eligible. For participants who have not
yet met eligibility requirements, the minimum age will move
from age 50 to age 55.
Health Savings Account, or HSA
The IRS has raised the maximum amount you can contribute
to an HSA in 2013. The Company will continue to contribute
$500 for You Only coverage or $750 for other coverage levels.
Note: If you are age 55 or older, you can make an additional
contribution of $1,000.
Use the HSA estimating tool available on YBR to help
determine how much you should contribute to your HSA. If
you decide to take advantage of the new HSA limits, don’t
forget to increase your before-tax contribution on YBR.
Otherwise, your 2012 HSA before-tax contribution election
will continue in 2013.
Important Note to EPO and
Traditional Medical Option
These options will no longer be available in 2013.
You must take action to enroll in the HDHP with
HSA or PPO medical options. If you do not make
an election during Annual Benefits Enrollment,
you will be defaulted into the HDHP without
Health Care Reform
You’ve likely heard some “buzz” around health care reform – also known as the Affordable Care Act –
and you may have been wondering what it all means to your medical benefits. Primarily, there are three
changes for 2013:
• Contributions to FSAs are limited to $2,500 for 2013.
• Additional coverage for women’s preventive care is now in place.
• ConocoPhillips will provide a Summary of Benefits and Coverage (SBC). This is a standardized, four-page document that
highlights each medical option’s key provisions, limitations and exceptions. SBCs are available on hr.conocophillips.com.
Comparing Your Medical Options
The medical option that’s right for you and your family depends on several factors, including coverage and cost. Consider some
of the details, outlined in the table below, to help determine the right medical option for you and your family. Also, be sure to visit
YBR and use the Compare Your Medical Options tool to help in your decision.
Network Non-Network Network Non-Network
$1,400/You Only coverage
$2,800/Other coverage levels
(deductible includes your medical and
prescription drug costs)
(for HDHP with HSA
$500/You Only coverage
$750/Other coverage levels
Preventive Medical Care
Covered at 100% $1,500/person 1 Covered at 100% $1,000/person 1
No deductible 2 ; first $1,500/person covered
at 100%; thereafter, 20% coinsurance up to
annual out-of-pocket maximum
No special benefits for preventive
$25 copay (primary care) 3
(non-preventive) 20% coinsurance after deductible 3 $50 copay (specialist) 3
Outpatient Surgery 20% coinsurance after deductible 3 20% coinsurance after deductible 3
Inpatient Hospitalization 20% coinsurance after deductible 3 20% coinsurance after deductible 3
100% coverage thereafter
(includes medical and prescription)
100% coverage thereafter
(excludes prescription coinsurance/copays
and physician copays)
Thereafter, 40% coinsurance up to annual out-of-pocket maximum.
See the “Value for Your Prescription Drug Benefits” section of this Guide.
40% coinsurance for non-network in HDHP and PPO.
How the HDHP with HSA Works
While the HDHP has a higher deductible than the PPO, the Company helps to offset that deductible making it a cost-effective
choice for most health plan participants. When you enroll in the HDHP and elect the Health Savings Account, or HSA, you have
a tax-advantaged way to pay your medical expenses both now and in the future. And because you can carry your HSA balance
over into future years, you can build up a balance over time to cover future medical costs, even into retirement. The below
graphic illustrates how the HSA – when coupled with the HDHP – can provide a triple tax advantage to help you pay for eligible
Use your HSA to help
+ pay your deductible
The plan pays 100%
of covered charges (no
deductible or copays)
You and/or the
Company (via HSA
100% of eligible
expenses until you
satisfy the deductible
After you satisfy the
deductible, the plan
pays 80% and you pay
(for network care) until
you satisfy the
Once your eligible
expenses reach the
maximum, the plan
pays 100% of eligible
expenses for the year
(including medical and
What’s the “Triple Tax Advantage” of the HDHP with HSA
An HSA lets you save on taxes three ways:
1. You pay no employment or federal income taxes on the money you invest into your account or on the
earnings. In most states, you avoid state taxes on the money, too.
2. The earnings on your HSA grow tax-free as long as they remain in the account, which provides a great
way to pay for future medical expenses — including those you incur in retirement.
3. The money you withdraw to pay for eligible medical expenses — today, tomorrow or in the future —
is not subject to taxes.
HSA and FSA –
How Do They Stack Up
Both the HSA and FSA offer tax-advantaged ways to pay for eligible expenses, but it’s important to
understand how they compare. Remember, FSA balances do not roll over from year to year, so be sure
to plan your contributions carefully. This is known as the “use it or lose it” rule.
2013 maximum total
Can I contribute
regardless of my
Health Savings Account (HSA)
$3,250/You Only coverage
$6,450/other coverage levels
No — must be enrolled in the
HDHP with HSA option.
Health Care Flexible Spending
Yes, please refer to the note below.
Who contributes You and ConocoPhillips You
Pre-tax contributions Yes Yes
Taxable when money
rate during the year
Lose unspent money at
the end of the year
Have to enroll each
Take account balance
with you when you
The money you put into an HSA
earns interest. Once your account
balance reaches $1,000, additional
investment options are available.
Not if you use it for eligible
Yes, at any time.
No. You do not lose what you do
not use. You own it and keep it.
No. Your HSA contributions will
continue at the same rate until you
change them or until you enroll in a
different medical option.
Yes. The money in the account is
yours to use anytime in the future.
Not if you use it for eligible
No. Only at Annual Benefits
Enrollment or with a qualifying
Yes. Use it or lose it.
Note: The IRS allows you to enroll in both options, but if you do enroll in both, your eligible expenses in
the FSA will include dental and vision only. This may be a good option for participants who may have high
dental and vision; and, for medical expenses after you meet your deductible.
Value for Your Prescription Drug Benefits
Your prescription drug benefits are not changing in 2013, and your prescription drug coverage will follow
the medical option you choose – the HDHP or the PPO.
No Preventive Prescription Allowance
• No deductible for certain preventive prescription drugs
• No cost up to $1,500 per person per year
• Thereafter, you pay 20% coinsurance up to the annual
Other Prescription Drugs
• You pay the full amount until you reach the deductible
(combined with medical expenses)
• After deductible, you pay 20% coinsurance until you
meet your annual out-of-pocket maximum (combined
with medical expenses)
Retail — up to a 30-day supply:
• Generics: $10 copay
• Preferred Brand: 40% coinsurance ($25 minimum and
• Non-Preferred Brand: 50% coinsurance ($50 minimum
and $250 maximum)
Mail (Medco by Mail) — up to a 90-day supply:
• Generics: $20 copay
• Preferred Brand: 40% coinsurance ($50 minimum and
• Non-Preferred Brand: 50% coinsurance ($100 minimum
and $500 maximum)
Your costs are not limited by an annual
Express Scripts and Medco Are Now One Company
Express Scripts and Medco have come together as one company to manage your prescription drug benefit.
Please continue to refill your prescriptions as you normally would by using your current prescription drug ID
card, refill order forms, our website or the toll-free member services telephone number on your ID card.
It’s Time to Save on Prescription Drugs
Here are three easy ways to reduce your prescription costs:
1. Use Generics. Generic drugs have the lowest copay and are chemically identical to their equivalent brand-name drug.
If you haven’t already, ask your doctor about switching your prescription drug needs to a generic.
2. Mail Order. Elect home delivery through Medco by Mail to receive a three-month supply of your prescription drugs and
save money (not to mention your time and gas mileage).
3. Preferred drug step therapy. Step therapy promotes the use of less expensive
prescription drugs before using more expensive drugs that treat the same
condition. You will be notified if your prescription qualifies for a preferred drug step
Ways to Wellness – And Savings
Below is a list of some of the services and programs available to help improve your health and the health
of your family. Explore the programs that are right for you and can help you maintain or work toward a
healthy lifestyle. To learn more about programs that are right for you, visit hr.conocophillips.com today.
• Preventive Care: ConocoPhillips’ medical options cover
100% of the cost of network preventive care, which can
identify risk factors and help you avoid serious and costly
conditions by catching them early.
• Biometric Screenings: Assess four indicators of overall
health that will help indicate risks for serious conditions:
cholesterol level, blood pressure, blood sugar, and Body
Mass Index (BMI). Screenings are offered throughout
the year with your physician and locally at many sites
across the U.S. – look for site-specific information as it
• Well-Being Assessment: This assessment will help you
gain valuable insight into your health and wellness.
• Health Coaching: Get expert advice on nutrition, stress
management, physical activity, weight management, blood
pressure, cholesterol, alcohol use and self-care.
• Chronic Condition Management: Get help managing
chronic conditions such as asthma, diabetes, coronary
artery disease, chronic heart failure and chronic back pain.
• Emotional Wellness: The ConocoPhillips Employee
Assistance Plan (EAP), administered through Value Options,
helps balance work and life by providing resources for
mental health, substance abuse, legal and financial issues,
as well as elder care and qualified child care referrals.
• Tobacco Cessation Program QuitNet: Take advantage
of the resources you or your covered dependents need
to quit smoking or using smokeless tobacco. Nicotine
replacement therapy is available at no cost.
• 24-Hour NurseLine (Informed Health ® Line): Speak to a
registered nurse about any health issue on your mind at no
cost to you.
• Wellness Fitness Services and Food Services: Offered
across the Company, these programs offer assistance in
making healthy fitness and nutrition choices.
Wellness pays with the Know Your Numbers payroll credit.
If you completed your biometric screening by August 31, 2012, you will receive a payroll credit of $50 per
month (up to $600 per year) to help pay for your 2013 medical coverage.
Building a culture of health aligns with our commitment to safety and our SPIRIT values, and it helps us work
together to contain health care costs. In the coming months, you will learn more about new health management
and wellness programs that will help support the culture here at ConocoPhillips. Our goal is to promote – and
incent – a healthy lifestyle for you and your family so you can take personal accountability for your health.
Be Informed, Save More
Being an informed health care consumer is essential to maximizing your health care benefits and
stretching your health care dollars. We offer a range of tools and resources that can help you make
smart health care decisions and maximize the value of your Company benefits.
To help forecast how much you may spend on health care next year, visit YBR. On the enrollment page under Step 3, select
Review your health care costs, then look for these tools:
Compare Monthly Costs for Next Year
Review Current and Prior Year
Estimate Your Total Health Care Costs for
Helps You …
View 2013 monthly costs for you and for ConocoPhillips
See your family’s actual out-of-pocket costs for health care this year
and last year based on your personal claims data (if available)
Project your family’s 2013 health care costs (monthly costs +
out‐of‐pocket costs) under each option
To find a side-by-side comparison of all your 2013 benefit options, select Current vs. New Coverage and Costs on the
Enroll in Your Benefits page of YBR.
Benefits Go Mobile
You can enroll, find a doctor, find your covered prescription drugs and the cost of services with mobile apps.
Check out the available mobile apps and sites under Contacts and Resources.
Enrolling Is Easy
When you’re ready to enroll, it’s simple and
convenient to make your benefit elections. YBR is
your source for complete, personalized information
about your coverage options and costs. Log on
to review your existing coverage, see your 2013
monthly costs, and use the online estimating and
comparison tools. Then, when you’re ready, you
can enroll online or by phone.
To enroll online, log on to YBR in one of three ways:
Forgot Your User ID and
Log on to YBR and click I Forgot My User ID or
I Forgot My Password. Follow the prompts, and
YBR will help you remember your information (by
having you answer some security questions) or
help you set up a new user ID and password. You
can also call the Benefits Center at 800-622-5501
or 718-354-1344. When you hear the prompt to
enter your password, say “I don’t know.”
1. Visit HR Express on eStream and click through this path:
Health and Welfare > Your Benefits Resources (YBR).
2. Get to YBR directly: Go to
http://resources.hewitt.com/conocophillips and enter
your previously established user ID and password.
3. NEW! Use the YBR mobile enrollment site on your
personal device. Just go to
enter your previously established user ID and password.
Oct. 29 and ends at
midnight Central time
Nov. 16, 2012.
If you do not have Internet access or if you need assistance
using YBR, call a Benefits Center representative at
800-622-5501 or 718-354-1344, from 8 a.m. to 6 p.m.,
Central time, Monday through Friday. For your protection,
your password is required. If you have not already created a
password, the automated phone system will prompt you to
create one so you can make your benefits elections.
Contacts and Resources
If you have questions or need additional information or help during the enrollment process, refer to this Contacts and Resources list.
For Information About: Resource How to Contact or Learn More
Enrolling in/changing health and welfare
benefits during the year, including
dependents; making beneficiary
designations/changes for life and AD&D
YBR or the
YBR through HR Express or directly at
YBR Mobile Access:
718-354-1344 (for international callers)
HDHP and PPO benefits, claims, network
providers and ID cards
Aetna network health care providers Aetna http://www.aetna.com/docfind/custom/conocophillips/ >
Current Employees–2013 > Aetna DocFind Directory
24-Hour NurseLine (Informed
Health ® Line)
Medco by Mail Pharmacy/retail
prescription benefits and prescription
www.express-scripts.com or www.medco.com
EAP, mental health and substance abuse,
Health improvement programs
Your Life Choices
hr.conocophillips.com > Current Employees–2013 >
2013 U.S. Employees > Health Improvement Programs
Health Savings Account (HSA) Chase 866-566-7101 Current Chase HSA Card Holder
866-674-3223 Prospective Chase HSA Card Holder
Flexible Spending Accounts (FSAs)
• Health Care FSA
• Dependent Day Care FSA
CP Dental and Preventive Dental
benefits, claims and network providers
Life Insurance and Long-term disability
Long-term care (LTC) insurance Unum 800-227-4165
This 2013 Annual Benefits Enrollment Guide (Guide) highlights ConocoPhillips’ health and welfare benefits for active employees. The Guide is an
overview of certain terms and conditions of the health and welfare benefits and is for information purposes only. If there is any discrepancy or conflict
between this Guide (or any other enrollment materials) 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. The tax references contained in this document refer to tax
laws in existence as of the date of the publication of this Guide.
Each health and welfare benefits plan has specific eligibility and participation requirements. This Guide for active employees is intended for U.S. paid
employees. It is not intended for employees covered by collective bargaining agreements, unless those agreements specify participation.
Nothing in this document creates an employment contract between ConocoPhillips or its subsidiaries and affiliates and any employee. ConocoPhillips
reserves the right to amend, change or terminate the plans or any underlying contract at any time and without notice, at its sole discretion, according
to the terms of the applicable plan.