As many of you know, FedEx is self-insured. CIGNA only acts as the administrator of claims...FedEx pays the bills. Here's how the scam works. FedEx works out a deal with CIGNA in which CIGNA is paid a set amount per employee per year. We'll call this AMOUNT X. Fred, weasel that he is, knows he can make a bunch of money off this deal by charging employees AMOUNT Y, which are premium payments significantly over and above what CIGNA receives. Smith pockets the difference, which for a very large company like FedEx, means many millions of dollars. The scam gets worse because FedEx has a vested interest in denying services. Ever wonder why CIGNA is increasingly unwilling to pay for anything without a fight? If they can deny your claim altogether that's even better. More money for Uncle Fred, who wants them to screw you out of every penny they can. Lots of big companies do this, but FedEx is "different", right? I mean, we have PSP and all, and Fred would never seek to benefit by denying medical coverage or making it such a hassle that you might just decide to pay out-of-pocket, would he? Nah...he's such a good guy. He'd never do that to his employees. Yes, he would, and he does it every day. Next time CIGNA creates havoc in your life by denying care, denying payment, or forcing you to call the 42 times on the phone to reach a resolution, remember who set this scam up and whom profits from it.....Frederick W. (Weasel) Smith.