2011 office employee handbook.pdf - US Xpress

pay for medical services in the calendar year. Until your medical expenses reach your deductible
amount, you will have to pay all of your medical bills. After you reach your deductible, a percentage
of any subsequent medical bills will be paid by the medical coverage plan – you will have to pay the
difference. If the total amount you have had to pay in the calendar year (your deductible plus your
portion of the subsequent bills) reaches or exceeds the maximum out-of-pocket expense, the medical
coverage plan will then pay 100% of all subsequent bills. Visits to an in-network physician are not
subject to a deductible—you pay only an office visit co-payment.
Mastectomy Coverage
Patients who undergo a mastectomy and who elect breast reconstruction in connection with the mastectomy
are entitled to coverage for the following:
1. Reconstruction of the breast on which the mastectomy was performed;
2. Surgery and reconstruction of the other breast to produce a symmetrical
appearance; and
3. Prostheses and treatment of physical complications at all stages of the
mastec tomy, including lymphodemas.
in a manner determined in consultation with the attending physician and patient.
The coverage may be subject to coinsurance and deductibles consistent with those established for
other benefits. Please refer to the Covered Services section of the Evidence of Coverage document
for details.
Maternity and Newborn Coverage
Your plan provides maternity and newborn infant coverage. Federal law generally prohibits this plan
from restricting benefits for any hospital length of stay in connection with childbirth for the mother or
newborn child to less than 48 hours following a normal vaginal delivery, or less than 96 hours following
a cesarean section.
Federal law also generally prohibits the plan from requiring that a provider obtain authorization to
prescribe a length of stay in excess of the above periods. Please refer to the Covered Services section
of the Evidence of Coverage document for details.
Xpre$$Savings 401(k) Plan
The Xpre$$Savings 401(k) plan is an excellent way to save for your retirement. Employees are
eligible to participate in the plan after six continuous months of service and attainment of age 18.
Participating employees can defer up to 75% of pay (pre-tax) not to exceed annual IRS maximums.
Employees can pick from different funds that feature various levels of risk and return. To enroll,
call (1-888-NROLL-123). To make changes to your account, or to obtain a loan or distribution, call
(1-800-755-5801).
Employee Assistance Program (EAP)
U.S. Xpress provides a Company paid EAP to employees and their families. The EAP is a confidential
counseling, education and referral service through Health Management Systems of America. The
EAP offers confidential consultation for a broad range of personal issues such as depression, alcohol
and drug abuse, relationship concerns, parenting issues, grief over the loss of a loved one, stress
and many others.
The EAP hotline number, available 24 hours a day, 7 days a week is (800-767-5320). The EAP can
help you deal with life’s every day problems.
40 U.S. Xpress, Inc.