I was told 20+ years ago that FedEx was self insured. You can't tell the difference from the typical health insurance policy on the front side. My wife was talking to a law firm about her issue and they wanted a copy of the policy. After numerous requests to pilot benefits for the policy they said "In the below emails, you're asking for a policy and I assumed we were still talking about the guidelines. FedEx is self-insured and as such we don't have a "policy". We do have a Plan Document which I will pull together and send to you as soon as possible.". Pilot benefits sent me the plan. There is nothing in the plan that would exclude treatment of my wife. Anthem blames the FedEx plan and FedEx blames Anthem guidelines. The out of pocket at issue is a little less than $100,000.

I really don't know the inner workings of how the self insured plan works. My guess is FedEx pays a fee to Anthem plus possibly a percentage with some kind of financial incentive to keep the cost down.