How to Enroll
The Enrollment Checklist
Not Ready to Finish Yet?
No problem. You can click Save and Finish Later to save your progress and return later. Remember to come back and finish before the deadline, because your elections will not be submitted until you complete the process.
What Happens If I Don't Enroll?
In general, your elections will carry over into next year, except for Flexible Spending Accounts (FSAs). You will not be enrolled in the Health Care FSA and/or Dependent Day Care FSA unless you make this election. You will not be able to change your elections until the next Open Enrollment period, unless you experience a Qualifying Event and report the change within 45 days of the event date.
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.