2013 Annual Benefits Enrollment Guide - ConocoPhillips

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2013 Annual Benefits Enrollment Guide - ConocoPhillips

Explore

Your Options

the path to

Enrollment

Your direct route

to the coverage

you need

Benefits with

real value

Get the most of your

benefits throughout

the year

WaYS TO

wellness

Programs to inspire

a healthy lifestyle

2013 Annual Benefits Enrollment (Guide)


Table of Contents

3 Be Proactive

4 Introduction

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

2


Be Proactive

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

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

http://resources.hewitt.com/conocophillips and

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

Benefits Enrollment.

Enrollment begins Oct. 29 and ends at midnight Central time Nov. 16, 2012.

3


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.

Sincerely,

Sheila Feldman, VP of Human Resources

4


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

coverage levels.

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

the same.

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

Insurance Eligibility

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.

Company

Contribution

Employee Maximum

Contributions

Total Maximum

Contributions

You Only

Coverage

Other Coverage

Levels

$500 $750

$2,750 $5,700

$3,250 $6,450

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

Participants

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

HSA option.

5


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.

6


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.

HDHP

PPO

Network Non-Network Network Non-Network

Annual Deductible

$1,400/You Only coverage

$2,800/Other coverage levels

(deductible includes your medical and

prescription drug costs)

$700/You Only

coverage

$1,400/Other

coverage levels

$1,400/You Only

coverage

$2,800/Other

coverage levels

HSA Company

Contribution

(for HDHP with HSA

option only)

$500/You Only coverage

$750/Other coverage levels

None

Preventive Medical Care

(deductible waived)

Covered at 100% $1,500/person 1 Covered at 100% $1,000/person 1

Preventive

Prescription Drugs

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

prescription drugs

Physician Visits

$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

Annual Out-of-Pocket

Maximum

(includes deductible)

$4,000/You Only

coverage

$8,000/Other

coverage levels

$5,000/You Only

coverage

$10,000/Other

coverage levels

$3,000/You Only

coverage

$6,000/Other

coverage levels

$5,000/You Only

coverage

$10,000/Other

coverage levels

100% coverage thereafter

(includes medical and prescription)

100% coverage thereafter

(excludes prescription coinsurance/copays

and physician copays)

1

Thereafter, 40% coinsurance up to annual out-of-pocket maximum.

2

See the “Value for Your Prescription Drug Benefits” section of this Guide.

3

40% coinsurance for non-network in HDHP and PPO.

7


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

medical expenses.

YOUR HSA

Use your HSA to help

+ pay your deductible

and coinsurance

Roll over

unused money

Network

Preventive

Care

Deductible

Coinsurance

Out-of-

Pocket

Expenses

The plan pays 100%

of covered charges (no

deductible or copays)

You and/or the

Company (via HSA

contributions) pay

100% of eligible

expenses until you

satisfy the deductible

After you satisfy the

deductible, the plan

pays 80% and you pay

remaining percentage

(for network care) until

you satisfy the

out-of-pocket maximum

Once your eligible

expenses reach the

annual out-of-pocket

maximum, the plan

pays 100% of eligible

expenses for the year

(including medical and

prescription)

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.

8


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

annual contribution

Can I contribute

regardless of my

medical option

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

Account (FSA)

$2,500

Yes, please refer to the note below.

Who contributes You and ConocoPhillips You

Pre-tax contributions Yes Yes

Account growth

Taxable when money

is used

Change contribution

rate during the year

Lose unspent money at

the end of the year

Have to enroll each

year

Take account balance

with you when you

leave ConocoPhillips

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

expenses.

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.

None

Not if you use it for eligible

expenses.

No. Only at Annual Benefits

Enrollment or with a qualifying

change in

status event.

Yes. Use it or lose it.

Yes

No

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.

9


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.

HDHP

Preventive Drugs

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

out-of-pocket maximum

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

$125 maximum)

• 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

$250 maximum)

• Non-Preferred Brand: 50% coinsurance ($100 minimum

and $500 maximum)

Your costs are not limited by an annual

out‐of‐pocket maximum.

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.

10


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

therapy program.

11


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

becomes available.

• 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.

12


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:

This Tool

Compare Monthly Costs for Next Year

Review Current and Prior Year

Out‐of‐Pocket Costs

Estimate Your Total Health Care Costs for

Next Year

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.

13


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

Password

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

http://resources.hewitt.com/conocophillips and

enter your previously established user ID and password.

Enrollment begins

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.

14


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

insurance

YBR or the

Benefits

Center

YBR through HR Express or directly at

http://resources.hewitt.com/conocophillips

YBR Mobile Access:

http://hr.conocophillips.com/EN/2013current/

2013benefits/MobileBen/Pages/default.aspx

Benefits Center

800-622-5501

718-354-1344 (for international callers)

HDHP and PPO benefits, claims, network

providers and ID cards

Aetna 800-738-7674

www.aetnanavigator.com

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)

Aetna 800-556-1555

Medco by Mail Pharmacy/retail

prescription benefits and prescription

orders

Express

Scripts/Medco

800-770-2810

www.express-scripts.com or www.medco.com

EAP, mental health and substance abuse,

work-life programs

Health improvement programs

Your Life Choices

ValueOptions 866-241-4080

www.achievesolutions.net/conocophillips

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

www.jpmorgan.com/conocophillipshsa

Flexible Spending Accounts (FSAs)

• Health Care FSA

• Dependent Day Care FSA

CP Dental and Preventive Dental

benefits, claims and network providers

Eyewear discount

Life Insurance and Long-term disability

(LTD) insurance

Aetna 888-238-6226

www.aetna.com/fsa

MetLife 888-328-2166

www.metlife.com/mybenefits

E-mail: cpdental@metlife.com

Aetna Vision

Discounts

800-793-8616

www.aetnanavigator.com

MetLife 800-243-8786

Long-term care (LTC) insurance Unum 800-227-4165

w3.unum.com/enroll/conocophillips

Mobile Accessible

15


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.

COPACTIVE1012

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