Are you aware that FedEx is self insured. Anthem Blue Cross is at TPA(third party administrator) for FedEx. When you receive benefits it comes directly off the FedEx Express bottom line. My wife is still covered by the FedEx pilot buy up plan which I pay $641 a month. She has been denied treatment because it was not medically necessary. The real reason is the cost. In my wife's case we will pay out of pocket.