USER AGREEMENT

This site is meant for XPO, Inc., employees and their families. By using the site, you are verifying that you are an XPO employee or the spouse or dependent of an XPO employee.

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.

Health : Dental

Dental

What You Pay For Services

XPO offers two dental plan options — Dental Basic and Dental Choice — and both are administered by Cigna. The table below outlines the features of each plan, which are the same in-network and out-of-network.

You can see any dentist you want. However, in-network dentists agree to accept negotiated fees from Cigna. Out-of-network dentists can bill you for amounts above the negotiated in-network fees.

2024 DENTAL BASIC DENTAL CHOICE
Annual Deductible
(per person)		 $50 $50
Preventive
(twice a year)		 0% of MRC 0% of MRC
Basic
(restorative)		 20% of MRC after deductible 20% of MRC after deductible
Major
(restorative)		 50% of MRC after deductible 50% of MRC after deductible
Orthodontia
(children to age 19, per person)		 Not applicable 50% of MRC, no deductible,
up to $1,500 lifetime benefit maximum
Annual Maximum
(per person)		 $1,000 $2,000

A Note About MRC: Maximum Reimbursable Charge (MRC) fees are based on the 90th percentile of the customary allowance from a fee schedule selected by Cigna.

 

MEDICAL, DENTAL AND VISION PLAN RATES

You and XPO share the cost of medical and dental coverage. You pay the total cost for vision coverage. You’ll find benefit cost information on myXPO under My Benefits.

 

CONTACTS

Cigna

Provider for dental

Connect with Benefits

XPO Benefit Center

Call Us

855.376.7276
Press 1 for English
Press 2 for Spanish

Hours

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

BSWIFT
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.

USER AGREEMENT

This site is meant for XPO, Inc., employees and their families. By using the site, you are verifying that you are an XPO employee or the spouse or dependent of an XPO employee.

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.