Health & Wellness Programs

Your health is related to a lot of things, and having the right insurance for your individual needs is just one of them. Explore our insurance offerings and other wellness support programs below.

  • Medical Insurance

    We offer medical plans through Blue Cross Blue Shield, which provides coverage through its national Blue Choice PPO network of doctors and hospitals. You'll have the flexibility to choose the plan that works best for you and your family: a High Deductible Health Plan (HDHP) with a Health Savings Account, or one of two Preferred Provider Organization (PPO) plans with a Health Reimbursement Account.

  • Critical Illness Insurance

    This coverage provided by Unum can protect you, your spouse, and dependent children by providing you a lump sum payment if you are diagnosed with a critical illness.

  • Prescription Drug Coverage

    Prescription drug coverage is included in any medical insurance plan you enroll in. Ask about the Home Delivery option for a 90-day supply of maintenance prescriptions.

  • Dental Insurance

    Our comprehensive dental plan is provided by Blue Cross Blue Shield and includes a nationwide network of dentists and specialists.

  • Vision Insurance

    Through our comprehensive EyeMed vision plan with Blue Cross Blue Shield, access a large specialty network of optometrists, ophthalmologists, and nationally recognized eye care retailers. Save 20% or more on additional frames and/or lenses with a valid prescription.

  • Healthcare Advisors

    You'll have free access to healthcare advisory services to guide you through the complex world of healthcare. Consultants help locate and select healthcare providers; comparison-shop for medications, services or procedures; review your bills; and resolve disputes if you’ve been overcharged.

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Healthy Rewards

Enroll in any one of our medical plans, and you have access to discounts on health products and programs you use every day, including things like gym memberships, vision and hearing care, mind/body programs and alternative medicine.

LiveWell Program

FNI prioritizes the health of our employees providing annual reimbursements for activities or purchases that help you focus on your everyday health, fun fitness activities, and healthy snacks in our breakrooms.

Additional Health Benefits

Flexible Spending Account

A Flexible Spending Account (FSA) allows you to set aside pre-tax dollars from your paycheck to pay for out-of-pocket healthcare and dependent care expenses. It can reduce your income tax (Federal, State, and FICA), and could help you save up to 30% in pre-tax savings. Freese and Nichols offers an employer contribution to the Dependent Care Account.

Health Savings Account

Enroll in our HDHP and you may open a Health Savings Account (HSA) through WEX to set aside pre-tax dollars for your healthcare needs and provide you a triple tax advantage. Freese and Nichols contributes funds to your HSA on a quarterly basis.

Health Reimbursement Account

If you enroll in a PPO medical plan, Freese and Nichols will use the HRA to reimburse most of one medical deductible for one person in your family each year.

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