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U.S. XPRESS, INC.   DRIVER HANDBOOK  U.S. XPRESS, INC.   DRIVER HANDBOOK

                For payment. To make sure that claims are paid accurately and you
             receive the correct benefits, the Plan may use and disclose your Protected
             Health Information to determine plan eligibility and responsibility for
             coverage and benefits. For example, the Plan may use your information
             when it confers with other health plans to resolve a coordination of
             benefits issue. The Plan may also use your Protected Health Information
             for utilization review activities.
                For health care operations. To ensure quality and efficient
             plan operations, we may use your Protected Health Information in
             several ways, including plan administration, quality assessment and
             improvement, and vendor review. Your information could be used, for
             example, to assist in the evaluation of a vendor who supports us. We also
             may contact you with appointment reminders or to provide information
             about treatment alternatives or other health-related benefits and services
             available under the Plan.
                The Plan may also disclose your Protected Health Information to
             U.S. Xpress Enterprise, Inc. (the plan sponsor) in connection with these
             activities. In certain cases, the Plan may disclose your PHI to the Plan
             Sponsor.
                Some of the people who administer the Plan work for U.S. Xpress
             Enterprises, Inc.  Before your PHI can be used by or disclosed to these
             employees, the Plan Sponsor must certify that it has: (1) amended
             the Plan documents to explain how your PHI will be protected; (2)
             identified the U.S. Xpress Enterprise employees who need your PHI to
             carry out their duties to administer the Plan; and (3) separated the work
             of these employees from the rest of the workforce so that U.S. Xpress
             Enterprise, Inc. cannot use your PHI for employment-related purposes
             or to administer other benefit plans. For example, these designated
             employees will be able to contact an insurer or third party administrator
             to find out about the status of your benefit claims without your specific
             authorization.
                •   The Plan may disclose information to U.S. Xpress Enterprise
                    that summarizes the claims experience of Plan participants as
                    a group, but without identifying specific individuals, to get
                    new benefit insurance or to change or terminate the Plan. For
                    example, if U.S. Xpress Enterprise wants to consider adding or
                    changing a particular benefit, it may receive this summary health
                    information to assess the costs of those services.
                •   The Plan may also disclose limited health information to
                    U.S. Xpress Enterprise in connection with the enrollment or
                    disenrollment of individuals into or out of the Plan.



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