After your enrollment is processed, it could take up to three weeks to receive your new ID card. If you need an ID card prior to this time, please contact Anthem or print a temporary card from the Anthem website.

Review the medical plan and prescription drug plan comparison charts. A Summary of Benefits and Coverage (SBC) is also available for each XPO medical plan. SBCs provide standard information, making it easier to compare medical coverage on an “apples to apples” basis. The SBCs can be found on myXPO Portal. You may request a free paper copy of the SBCs by calling the XPO Benefit Center.

Similar to other things like the PTO policy, we align the cost of health benefits provided to all employees based on their employment status.

Deductibles and copays help control costs. XPO will continue to subsidize a large portion of your medical coverage costs as well as pay 100% of in-network preventive care.

The Basic HSA deductible for Employee + One or More coverage is $5,000 in-network and $10,000 out-of-network. All eligible in-network and out-of-network expenses from covered family members apply toward the deductible. For example, if just one family member has $5,000 in eligible in-network expenses, the deductible is considered met for all family members for in-network expenses. However, coinsurance for out-of-network expenses would not be met until the $10,000 out-of-network deductible has been met. Remember, no coinsurance applies in the Basic HSA until the family deductible is met.

The HSA Plus deductible for Employee + One or More coverage is $3,500 in-network and $7,000 out-of-network. All eligible in-network and out-of-network expenses from covered family members apply toward the deductible. For example, if just one family member has $3,500 in eligible in-network expenses, the deductible is considered met for all family members for in-network expenses. However, coinsurance for out-of-network expenses would not be met until the $7,000 out-of-network deductible has been met. Remember, no coinsurance applies in the HSA Plus until the family deductible is met.

The Basic PPO deductible for Employee + One or More coverage is $2,500 in-network and $5,000 out-of-network. All eligible in-network and out-of-network expenses from covered family members apply toward the deductible. Each family member has his or her own individual deductible and a family deductible, and coinsurance begins when either of those have been met.

The Classic PPO deductible for Employee + One or More coverage is $1,500 in-network and $3,000 out-of-network. All eligible in-network and out-of-network expenses from covered family members apply toward the deductible. Each family member has his or her own individual deductible and a family deductible, and coinsurance begins when either of those have been met.

All eligible in-network and out-of-network expenses from covered family members apply toward the in-network $10,000 and $20,000 out-of-network out-of-pocket maximum. However, an individual family member will not be required to meet more than $7,150 of the family maximum before that individual’s claims are covered at 100%.

All eligible in-network and out-of-network expenses from covered family members apply toward the in-network $10,000 and $20,000 out-of-network out-of-pocket maximum. However, an individual family member will not be required to meet more than $5,000 of the family maximum before that individual’s claims are covered at 100%.

You are able to use preventive care services once per calendar year.

Prescription drugs are subject to the deductible first, which means you pay 100% out of pocket until you meet the deductible. After that, coinsurance applies to prescription drugs, except for generic preventive drugs (as defined by Express Scripts), which are not subject to the deductible.

There is one deductible for all covered expenses in the HSA plans. Anthem and Express Scripts will exchange data each day to coordinate information on claims to ensure your benefits are paid properly.

With the PPO plans, you don’t have a deductible for prescription drug benefits. You will pay a copay or coinsurance when you fill a prescription.

Yes. When you enroll online, you’ll be asked about tobacco use. Tobacco users will have a $100 monthly surcharge added to their medical contributions to offset potential increased medical costs from tobacco use. The surcharge currently applies if you or one of your covered family members uses tobacco products.

Yes. XPO offers Tobacco Free through Anthem, which is free and available to employees, spouses and dependent children over age 18. If you complete Tobacco Free, you will qualify for non-tobacco rates at the time of completion, and your contributions will be adjusted for the remainder of the plan year.

XPO is committed to helping you quit smoking. If you think you may be unable to complete Anthem’s Tobacco Free program, you may qualify for an opportunity to have the surcharge removed by different means. Contact the XPO Benefit Center and we will work with you and, if you wish, with your doctor to find a Tobacco Cessation Program that is right for you in light of your health status.