What’s New

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.

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.

You can enroll yourself and your family in XPO benefits. Be sure you know who’s eligible before you choose coverage.

You are eligible if you are a full-time employee.

You may also cover members of your family. Eligible dependents are:

• Your spouse
• Your children through the end of the calendar year in which they reach age 26. Eligible children include:
  • Your natural and adopted children (including children placed with you for adoption)
  • Stepchildren who live with you
  • Disabled children
  • Children for whom you have legal guardianship

Open Enrollment

You can choose coverage under these plans:

• Medical
• Dental
• Vision
• Health Care FSA
• Dependent Day Care FSA
• Supplemental Life Insurance
• Supplemental AD&PL Insurance
• Long-Term Disability Insurance
• Legal Assistance
• Critical Illness Insurance
• Accident Insurance
• Hospital Indemnity Insurance

Review All Benefit Changes for 2023

Find all the changes for 2023 here.

Invest a Little Time in Understanding Your Benefits

Life at XPO can be pretty busy, but if you can invest a little time in learning about your benefits or testing what you think you know, we think you’ll find it’s time well spent.

• Watch the short videos we put together for you.
• Think about your benefit needs for next year.
• Think about your family’s benefit needs.
• Challenge your assumptions about why you choose your current benefit options.
• Are you taking advantage of tax-saving opportunities?
• Check out other tools and resources, like the interactive medical plan comparison tool on myXPO.

Confirm Coverage for Your Dependents

Go to myXPO or speak with an XPO Benefit Center representative to review your dependents’ coverage and update personal information. Remember, if you are adding a dependent, you will be asked to verify dependent eligibility with documentation and provide the dependent’s Social Security Number. You will have 60 days to provide documentation.

XPO conducts random audits of covered dependents of employees. Employees covering dependents who were not previously verified will be asked to provide proof of eligibility within 60 days of the request. It is very important that you ensure the dependents you are covering are eligible and remove coverage for any ineligible dependents during Open Enrollment.

Any dependent found to be ineligible for coverage as a result of a random dependent verification audit will have coverage canceled.

Confirm Your Beneficiary Information

Enrollment is a good time to review your beneficiary designations and update them, if necessary. You can do this while enrolling online at myXPO or by calling the XPO Benefit Center.

Are You a New Employee?

You can only make changes to certain pre-tax benefits during the year if you experience a Qualifying Event as defined in the Benefits Plan Summary Plan Description (SPD).

If you experience a Qualifying Event during the year, you can make changes appropriate for the type of life event within 45 days of the event date. Visit myXPO or call the XPO Benefit Center.

See Changing Your Benefits for more information.

If you don’t enroll within 45 days of your date of hire, you will automatically be enrolled in:

• NO MEDICAL COVERAGE
• Short-Term Disability Insurance
• Long-Term Disability Insurance
• Basic Life Insurance

The Enrollment Checklist

Enrollment Tips

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 and you’ll receive a contribution from XPO to your HSA Plus plan 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 medical 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 the virtual care benefit for a nominal fee or call the 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.

How XPOBenefits.com and myXPO Work Together

You’re not alone if you are wondering why we have two websites about XPO benefits. This site, XPOBenefits.com, is an open, informational site whereas myXPO is a secure, transactional site that is your go-to place when you need to enroll in your benefits, update your personal information and more.

About XPOBenefits.com

Visit XPOBenefits.com when you or your spouse wants to:

• Learn about benefit changes for the year.
• Review your benefit options for Open Enrollment.
• Find information about specific benefits with the Find It Fast feature.
• Watch educational videos about how XPO’s medical plans work.

About myXPO

Log in to myXPO when you want to:

• Elect benefit options during Open Enrollment, when you first join XPO or when you have a Qualifying Event during the year.
• Enroll your dependents in benefits.
• Designate your beneficiaries for certain benefits.
• Make changes to your personal information.
• Access detailed benefit plan information, such as Summaries of Benefits and Coverage (SBCs), Summary Plan Descriptions (SPDs) and other Summaries of Material Modifications (SMMs).
• View your paystub.
• Find XPO policies.
• Search and apply for internal jobs.
• Find guides to the new systems and ways of working.