Enrollment : What’s New

What’s New

XPO Kept Health Care Costs in Check

Both you and XPO share the cost of medical coverage. XPO’s health care costs have risen sharply, but XPO absorbed most of the increase for 2024, and made only small increases in paycheck deductions for medical and dental coverage. The vision plans were consolidated to the single high option and the cost of vision coverage was held at the base option rates. Visit myXPO for detailed cost information.

Just a reminder that we all share a responsibility to be smart health care consumers. Please review the Health Care Consumer Tips for ways to save money.

Benefit Plan Features

If you are enrolled in XPO’s Medical, Dental, or Vision plan, don’t forget you have access to these programs to save you time and money in 2024:

Free virtual physicals — We’ve partnered with Pulse Virtual to make it easy for you and your covered dependents (age 18 and older) to get an annual physical at home, with access to a home test kit for blood pressure and blood tests. You’ll receive a 45-minute virtual physician consultation with four free follow-up checks throughout the year.
Free virtual physical therapy — Access unlimited video sessions and a physical therapist via video calls for treating back, knee, shoulder and other injuries on your own schedule.
No-cost specialty medications — CVS will help you take advantage of manufacturer discounts available through PrudentRx to eliminate your copay on certain specialty medications. CVS will reach out to you personally to help you take advantage of these savings.
Free vision scans — We added retinal scans as important preventive care, which means they will be provided free of cost to you and your covered dependents.
Free pelvic support for women — Access unlimited video sessions and a pelvic health specialist via video calls at Bloom to address pelvic conditions through adulthood, pregnancy, postpartum, and menopause.
(NEW) Cost Saver Rx Program — Employees that elect an XPO medical plan will pay a lower out-of-pocket cost if they fill a qualifying prescription at an in-network pharmacy. This program is powered by GoodRx and allows employees to have automatic access to GoodRx pricing for generic drugs when employees present their card at the pharmacy.
(NEW) RxSavingsPlus Program — This program allows employees to purchase medications not covered by the prescription plan at a lower price by providing manufacturer’s discounts on certain medications. Please note discounts can be changed at any time and the prescription does not run through the XPO medical plan and will not count towards deductibles or out-of-pocket maximums.
Transform Diabetes Care (TDC) Rx Program — CVS offers ongoing support for members with diabetes. Through the TDC program members have access to low/no cost diabetic monitoring equipment.
Virtual Dental — Access to virtual dental care 24/7, 365 days a year. If you need dental care and are unable to reach your regular provider, you now have the option to consult with a dentist through a video call.
SmartScan — Access to a unique, at-home dental screening tool that lets you use your smartphone to take a series of guided dental photos. Within minutes, you’ll receive a professional assessment from a Cigna HealthcareSM dentist.

Continued Well-Being Programs

You have two resources to enhance your well-being. You don’t need to be enrolled in an XPO medical plan to use these benefits.

Talkspace was added to our Employee Assistance Program (EAP). Talkspace matches you to the right therapist for your personality and condition. Get up to five free sessions per issue per year. Access the EAP through myXPO or visit Anthem.com.
meQuilibrium is a personalized, private and self-paced resiliency training program to help you understand your approach to work and home life and reduce stress through simple exercises.

HSA Contributions

HSA Contribution Minimum

If you like the convenience of contributing to your Health Savings Account (HSA) through payroll deductions, you’ll need to contribute a minimum of $500 for the year.

You Can Save More on Taxes

HSA contribution limits are set by the IRS each year. The amount you may contribute is triple-tax protected and depends on which HSA option you elect, whether XPO contributes, the coverage level you choose and your age. If you begin participation during the year, the amount XPO contributes is prorated based on your date of hire or Qualifying Event.

	Under Age 55		Age 55 or Older
HSA Plus	Employee Only	Employee + 1 or More	Employee Only	Employee + 1 or More
2024 IRS Limit	$4,150	$8,300	$5,150	$9,300
XPO Contribution (prorated)	$500	$1,000	$500	$1,000
Your Contribution	$3,650	$7,300	$4,650	$8,300
Basic HSA	Employee Only	Employee + 1 or More	Employee Only	Employee + 1 or More
2024 IRS Limit	$4,150	$8,300	$5,150	$9,300
XPO Contribution	$0	$0	$0	$0
Your Contribution	$4,150	$8,300	$5,150	$9,300

Save More on Taxes – IRS is expected to raise 401(k), Health Care FSA, and CSA Contribution Limits

The IRS is expected to raise the annual amounts you can contribute pre-tax to the following tax-advantaged benefits in 2024:

401(k) —
- Up $500 from $22,500 to $23,000 if you are under age 50
- Up $500 from $30,000 to $30,500 if you are age 50 or older
Health Care FSA — up $150 from $3,050 to $3,200
Commuter Spending Account — up $15 from $300 to $315

The raise announcement is expected by the end of October, so employees will be able to contribute up to the new maximum for 2024.

You’re Enrolled in Long-Term Disability Buy-up Coverage

XPO believes in the value of Long-Term Disability (LTD) insurance. We teamed up with our LTD insurance carrier to give you an easy and tax-effective way to increase your income protection coverage. All newly hired employees are automatically enrolled in Supplemental LTD Coverage (with the option to opt out), which provides 60% income replacement (up to plan limits) and extends the coverage period to age 65.

If you are a new employee, you can opt out of this employee-paid coverage during your enrollment period. Please consider how important this valuable coverage is to you and your family before deciding.

Tobacco Surcharge

If you or your covered spouse uses tobacco, you will pay an extra $100 per month for medical coverage. If you are or your covered spouse is a former tobacco user and completed an approved tobacco cessation program in the past, you can avoid the $100 per month surcharge by verifying your status when you enroll.

Learn more here.

Did Your Spouse Gain Coverage?

If your spouse enrolls in medical coverage through his or her employer related to a Qualifying Event, you can have the Spousal Surcharge removed, but it’s a good idea to call the XPO Benefit Center within 45 days so the surcharge removal will be retroactive to the Qualifying Event date. Otherwise, the surcharge will be removed as of the date you call.

Cover Dependents?

Whether you’re adding a dependent for the first time or responding to a random dependent verification audit, you have 60 days to provide documentation. If you do not provide documentation within 60 days, your dependent(s) will be removed from coverage. It’s also your responsibility to remove dependents from coverage once they become ineligible.

Health Care Consumer Tips

Being a smart health care consumer means you take the time to consider all your health care options and make the best decision for your particular situation. Keep these tips in mind!

The Basic HSA or HSA Plus plan may be the best plan for you. With an HSA plan, you’ll pay less in payroll deductions. If you elect HSA Plus, you’ll also receive a contribution from XPO to help pay for eligible health care expenses. Learn more about HSAs.
You’ll save with an HSA or FSA. You’ll save valuable tax dollars and lower your taxable income when you open an HSA or Health Care FSA. The money you contribute or withdraw in these accounts is tax-free when you use it for eligible health care expenses.
Only use the emergency room for true emergencies. Trips to the ER can be expensive and cost you a lot out of your own pocket, so be sure you only visit an ER when absolutely necessary. Use urgent care facilities, schedule a visit with your doctor or use telemedicine when you have minor injuries or illnesses. Take advantage of LiveHealth Online for a nominal fee or 24/7 NurseLine for free. Nurses are on call to answer any health questions you might have and to provide guidance on emergency care, urgent care and more.
Consider generic prescriptions instead of brand-name prescriptions. Generic prescriptions are usually considerably less expensive and are approved by the FDA. Ask your physician or pharmacist if your prescription has a generic alternative and save money.

CONTACTS

Anthem

Provider for medical, health coaching, tobacco cessation, Building Healthy Families and more

www.anthem.com
https://welcometoanthem.com/xpo (Pre-enrollment)
844.516.0249

Fidelity HSA

HSA administrator

PayFlex

FSA and CSA administrator

24/7 NurseLine

Health care needs, questions and guidance

800.700.9184

LiveHealth Online

Telehealth

Connect with Benefits

XPO Benefit Center

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Call Us

855.376.7276
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Hours

Monday through Friday
M-F: 8am - 8pm Eastern Time

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MYXPO

For those employees represented by a union, all the items, statements, terms and conditions referred to in this website are subject to collective bargaining and will be negotiated with your union. To the extent that different terms and conditions are agreed upon and included in a collective bargaining agreement, those terms supersede the terms contained in this website and will govern your terms of employment. If any of the items, statements, terms and conditions referred to in this website conflict with applicable law, such applicable law shall supersede and shall govern. The company reserves the right to revise or delete this program, the plans or any benefits described here. If there is any discrepancy between the information included here and the official Plan Documents or contracts, the official document or contracts will decide plan provisions and how benefits are paid. The program, plans and benefit provision do not create a contract of employment, expressed or implied. Notwithstanding any provision on this website, employment is at-will employment, unless a written agreement states otherwise.

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