No, you are the one saying FexEx, because they are self-insured, pay medical costs it's employees incur. That our monthly premiums are only to pay Anthem and Cigna to administer said payments. You have a fundamental misunderstanding of how things work. You're wrong, and too proud to admit it. If FedEx was paying for everything, they'd have an in house dept that would handle cutting checks for medical costs. They wouldn't need Anthem or Cigna. If so their costs would be astronomical. Instead they collect money from employees, send it to Cigna and Anthem, and they pay employee healthcare expenses minus co-pays, deductibles, and out-of-pocket limits paid by employees. What I don't know is now that employee healthcare is no longer 100% company paid, what % are employees paying through payroll deductions and how much FedEx is paying. Either way, a premium is paid to an insurance provider, and if the employee incurs medical costs the insurance provider pays the bill, minus the above employee responsibilities. You've heard, read, whatever that FedEx is self-insured and assumed certain things. Sorry, but you are mistaken.