Open Enrollment FAQ

Open Enrollment FAQs

11/01/2006

Q. I don’t have a home computer. How can I access Benefit Self Service?

A. You may access from any P.C. at work. In Wilmington, the company has installed P.C. kiosks in these locations:

ABX Cafeteria	2 - Sort B break room 1st floor
Base Shops	Administration break room
Air Park Services break room	Flight crew lounge (Building 209)
Building 10 break room	Human Resources / Benefits Dept.

In addition in Wilmington the Benefits Department will be available on Nov. 10 and Nov 17 from 9:00 pm to Midnight in the the Benefits Dept. (located in the Administration Building).

For outbased employees, Kiosks have been installed at each regional hub. Line Maintenance stations can access through their work PCs. Columbus employees can access by seeing their supervisors or their Human Resources representative.

Q. Do I need to complete a Benefit Self Service enrollment form if I do not want to make any changes?

A. If you are currently enrolled and do not want to make any changes, you do not need to complete the Benefit Self Service enrollment form, your current benefit election will continue. However to enroll in the 2007 Flexible Spending Account or to contribute to the Health Savings Account for 2007 you must elect an amount on the enrollment form. The deduction does not carry over from year to year. If you wish to make any changes, you MUST complete the Benefit Self Service enrollment form by the Nov. 22, 2006, deadline.

Q. Where do I get a list of doctors, dentists, and vision care providers?

A. The best source of current information is on-line. You also can request paper copies by calling the insurance company’s customer service 800 number. The web addresses and 800 numbers are:

Provider	Insurance Company	Web site	Toll-free #s
Doctors & Hospitals	United Healthcare	www.myuhc.com	(888) 350-5607
Dentists	MetLife	www.metlife.com/mybenefits	(800) 942-0854
Eye care providers	EyeMed	www.eyemedvisioncare.com	(866) 723-0513

Paper copies are available by request only to help keep costs down.

Q. What is the deadline for completing the Benefit Self Service enrollment form?

A. You need to complete the Benefit Self-Service Enrollment form by Nov. 22, 2006.

Q. How can I get a paper copy of the 2007 Benefits Handbook?

A. Paper copies are available upon request through your supervisor or by calling the Benefits Department at (800) 736-3973 ext. 63157 or ext. 63085, or email abx.benefits@abxair.com.

Q. Why are the employee costs going up?

A. The cost of health care in the United States increased 7.7 percent last year, the smallest increase since 1999. However, this was still twice the rate of inflation. At ABX, programs such as the Healthcare Center and the recent dependent audit help slow down the rate of increase; but we still are experiencing an increase. As the annual company cost increases, employees can expect to see their share of the cost increase as well. Despite these increases, the amount ABX Air employees pay for healthcare compares favorably to other employers.

Chart: Average Bi-weekly Medical Insurance Employee Contributions

Q. Can I have an HSA (Health Savings Account) and an FSA (Flexible Spending Account)?

A. No, our current plan limits the HSA to those employees in the HSA PPO and the Medical FSA to those in the Enhanced PPO. You may elect both HSA and the Dependent FSA.

Q. How does the HSA work with the high deductible?

A. According to the IRS regulations for an HSA-eligible plan, the deductible must be met in full and apply to everything before coinsurance or co-pays begin to pay. Only preventive care is exempt from this requirement.

Q. What are qualified medical expenses for the FSA/HSA?

A. Qualified medical expenses are as defined by the Internal Revenue Service under section 213(d) of the Internal Revenue Code. A sampling of some eligible expenses include but are not limited to:

Acupuncture, Alcohol and Drug Rehabilitation (in-patient treatment only), Ambulance, Artificial Limbs, Artificial Insemination/ Invitro Fertilization/Fertility Enhancement, Blood Pressure Monitoring Devices, Body Scan, Birth Control Pills/ Condoms/Spermicide, Chiropractor, Co-Insurance and Deductible, Contact Lenses and Cleaning Solutions, Crutches, Dental Treatment, Dentures, Diagnostic Tests, Eye Exam, Eye Glasses/Prescription Glasses, Flu

Shots, Hearing Devices, Hospital Services, Immunizations (e.g., well-baby shots), Insulin, Laboratory fees, Lamaze classes relating to childbirth, Laser Eye Surgery / Lasik, Learning Disability Treatment, Medical Alert Bracelet/Necklace, Obstetric Treatment, Orthodontia, Over-the-counter pregnancy tests, Over-the-counter medications to treat a specific medical condition, Oxygen, Physical Exams, Physical Therapy, Podiatry Treatment, Prescription Drugs, Psychiatric Treatment, Psychological Treatment, Radial Keratotomy, Smoking Cessation – prescription only, Surgery and Related Expenses, Tubal Ligation or Vasectomy, X-rays.

Ineligible expenses include but are not limited to: Cosmetic surgery and procedures, Expenses for services rendered outside the coverage period, Expenses reimbursed by an insurance provider or another health plan, Hair loss items, Herbs/Vitamins/Supplements that do not require a prescription for use, Insurance Premiums, Long-term care services, Marriage Counseling, Personal Use Items, Teeth Whitening.

For more information see IRS publication 502 at www.irs.gov.

Q. What is a deductible?

A. The deductible is the amount you must pay before the plan will pay any benefits. This amount is payable just once a year.

Q. What is a co-payment?

A. A co-payment is the amount you pay each time you receive care. Examples when co-payments are charged include office visits, urgent care visits, emergency room visits, and prescription drugs.

Q. How will I know if the changes are approved?

A. In Benefit Self Service, you should return to the Messages area Once the Benefits Department has approved your election, a confirmation of receipt should be in your message area.

Q. Where can I get help enrolling?

A. See any Human Resources representative or call the Benefits Department at (800) 736-3973 ext. 63157 or ext. 63085. In Wilmington, Human Resources personnel are available on all three shifts.

Q. May I purchase additional life insurance for my family or myself?

A. ABX Air offers a Universal Life insurance program that allows you to purchase additional coverage for yourself or your eligible family members. Enrollment is subject to evidence of good health and is not effective until approved by the insurance company. To enroll in the Universal Life insurance visit www.personalplans.com/abxair.

Q. May I purchase additional accidental death and dismemberment insurance for my family or myself?

A. ABX Air offers a Voluntary Accident Insurance program that lets you purchase additional Accidental Death and Dismemberment coverage for yourself or

your eligible family members. Enrollment is effective on Jan. 1. More information about the program can be found on page 9 in the open enrollment brochure or in your 2007 Benefits Handbook (Summary Plan Description) or on Benefit Self Service.

Q. May I make enrollment changes mid-year?

A. Open enrollment is your opportunity each year to make adjustments to your benefits. All changes are effective on Jan. 1. During the rest of the year, you cannot make changes to your benefit elections except for certain Family/Work Status changes including:

• Marriage or Divorce.

• Birth or Adoption of a child.

• Death of a spouse or child.

• Loss of coverage from spouse’s employer.

• Child reaching maximum age (maximum age = 19 unless the child is a fulltime college student up to the 23rd birthday.

Any of these reasons allow you to make a change mid-year provided you notify the Benefits Department within 30 days of the event (60 days for birth or adoption).

Q. If my spouse works at ABX, may I enroll my spouse under my coverage?

A. Yes, you may enroll your spouse who works at ABX under your plan, or you could have two employees under different plans. However, you cannot “double cover” under both plans. Be sure both spouses complete a Benefit Self Service enrollment form enrolling under one employee and canceling coverage under the other employee.

Q. If my child works at ABX, may I enroll my child under my coverage?

A. Yes, you can enroll your child who works at ABX under your plan, or you could have two employees under different plans. However, you cannot “double

cover” under both plans. Be sure both you and your child complete an enrollment form enrolling under the parent and canceling coverage under the dependent child. The child must be an eligible dependent to be covered under your plan.

Q. Until what age can my children continue to be covered under the plan?

A. • Unmarried children under age 19, including your natural children, legally adopted children, children placed for adoption, stepchildren residing with you and any other children supported solely by you and permanently residing with you, provided you are their legal guardian or you claim the children as dependents for federal income tax purposes.

• Unmarried children from age 19 until age 23 who are registered students in full time attendance at an accredited university or similar institution of learning and who are dependent on you for support and for whom you are entitled to an income

tax exemption.

• Unmarried child who is incapable of self-sustaining employment by reason of developmental disability or physical handicap, provided such child was covered under this Plan at the time of disability and immediately prior to his or her 19th birthday (23rd if a student).

All enrolled dependents are subject to an audit, and proof of eligibility may be required at any time. Enrolling individuals who are not eligible is insurance fraud and could result in your having to repay any paid claims, the loss of your job, and/ or being arrested and convicted of a felony.

Q. May I decline coverage?

A. Yes, you can decline coverage. When you decline coverage, you are declining all Medical, Dental and Vision benefits.

Q. What happens if I need emergency care while traveling away from my home area? How do I find a network provider?

A. If you need emergency care while traveling, you should go to the nearest hospital. Even if the hospital is a non-network hospital, your benefit will be treated as if it were a network facility. If you need medical care on a non-emergency basis while traveling, contact United Healthcare customer service at (888) 350-5607 or at www.provider.uhc.com for assistance in locating the nearest network provider.

Q. How is an emergency determined?

A. Your health plan covers emergency services necessary to screen and stabilize a covered person if a prudent layperson acting reasonably would have believed a true emergency existed. If you are unsure if your condition needs medical attention, you may contact Nurseline at (888) 609-5880 for assistance.

Q. Where can I get assistance with claim issues?

A. If you have spoken with the insurance company customer service department and they are unable to help resolve your claim issue, contact the ABX Benefits Department at ext. 62567 for further assistance. Or you may e-mail abx.benefits@abxair.com.

Q. In the Short-term disability options why are there different plans for California, New Jersey, New York, Hawaii, Rhode Island and Puerto Rico?

A. These states and territory sponsor State Disability Insurance that is funded by the taxpayers of these localities. Our Short-term Disability benefits coordinate with the state programs.

Q. Can part-time employees purchase dental coverage for their families?

A. Yes, part-time employees may purchase dental coverage for their families.

Revised: October 31, 2006.