Welcome to Benefits Enrollment!

Use this page to learn more about our offerings, get links to resources and more. Here are your next steps:

Review your current benefit elections and consider enrolling in the added benefits Freese and Nichols provides.
Attend the virtual Open Enrollment meeting hosted by FNI on November 4 or November 6.
Download the MyPerks app if you haven’t already.
Please keep in mind that if you don’t complete open enrollment, most of your current health and insurance coverages will continue in 2025. However, your Flexible Spending Account (FSA), Dependent Care, and Health Savings Account (HSA) will not continue unless you re-enroll.

Highlights for 2025

What’s Changing

To ensure the highest quality service for the lowest cost, the carrier for our ancillary benefits will be changing to Symetra. Symetra products include life, accident, critical illness, short term medical leave, long term disability, and the employee assistance program.
- For the Employee Assistance Program, there will be an increase in the number of visits per issue (from three to five).
Vision insurance will now be provided by VSP.
Dental insurance will now be provided by Delta Dental. Instead of just one Base plan, we will also be offering a Dental Buy-Up plan, which will provide higher coverage percentages than the Base plan option.
Our partnership with Alight Health Pros will be ending. Instead, we will have the MMA Service Center available for employees needing assistance with claims or benefits questions.

What's the Same

BlueCross BlueShield will continue to provide our medical coverage.
Despite changes in carrier, there will be no changes in coverage for the following: vision, basic life and AD&D, voluntary life, short term medical leave, long term disability, accident and critical illness insurance.
IDShield and LegalShield will continue to provide identity protection and access to legal aid.
All benefits-eligible employees will continue to have access to Keeper Security, a password locker for personal and professional use.
Nationwide will continue to provide pet insurance.
WEX will continue to manage our FSA/HSA accounts.

What’s New

This year we’re pleased to announce the addition of Hospital Indemnity insurance to our wide range of benefits. Hospital indemnity insurance can help with the cost of your stay, giving you and your family some peace of mind.
- Hospital indemnity insurance pays a fixed dollar amount per day for services and supplies you receive during a hospital stay, up to a maximum number of days each year. Stays in a mental health, substance abuse, or nursing facility are also covered.
We are offering a new online tool called Nayya to help you navigate the benefits decision-making process.
FNI will be increasing the company contribution to the Health Savings Account (HSA) for those enrolled in the HDHP.

Medical, Dental and Vision

Medical

We partner with Blue Cross Blue Shield (BCBS) to administrator our medical plans. You can choose between three medical plan options:

After you have met your deductible on the HDHP, non-preventative expenses will be covered by the plan at 100% in-network.

Dental

Dental insurance will now be provided by Delta Dental and will offer two plans:

Dental Base plan
Dental Buy Up plan

The Dental Base plan will remain the same rate as previous coverage by BlueCross BlueShield and the Dental Buy Up plan will provide higher coverage percentages and will be a higher rate.

Vision

Vision insurance will now be provided by VSP, which will decrease rates.

Medical, Dental and Vision Resources

Here are a few resources for making the most of your plans. If you would like to talk through your options, phone numbers are listed for each carrier below.

Find in-network medical doctors and facilities

Are your providers in the BCBS network? Click below to search the Blue Choice PPO network, or call Blue Cross Blue Shield at 800-521-2227.

SEARCH BCBS NETWORK

Medical Mobile App

Download the BCBS mobile app for your smartphone and have your medical benefits with you wherever you go. You’ll also have access to your medical digital ID card with a tap of a finger.

DOWNLOAD BCBS APP

Find in-network dentists

Click below to search the Delta Dental network, or call Delta Dental at 800-521-2651.

SEARCH DELTA NETWORK

Find in-network vision providers

Click below to search the VSP network (filter by network for “VSP Advantage”) or, call VSP at 800-877-7195.

SEARCH VSP NETWORK

Benefits of the High Deductible Health Plan (HDHP)

Enrolling in HDHP? Gain a Health Savings Account

Don’t let the words “high deductible” scare you. This is a good time to understand how much you use the health plan — and consider when the last time was that you met your deductible. There are advantages of enrolling in the plan, including the Health Savings Account (HSA). This account is yours and rolls over year-to-year. One major perk with the HSA? Freese and Nichols provides you with money every year to help you cover your deductible.

What is a Health Savings Account?

A Health Savings Account is a tax-exempt savings account that allows you to save money to pay for qualified medical expenses. The money in your HSA can be used to pay for qualified medical, dental, and vision costs such as deductibles and other out-of-pocket expenses. HSAs provide a triple-tax advantage – you can deposit money tax-free, it will grow tax-free until you use it, and your withdrawals are tax-free when used on eligible expenses.

Free Preventive Drugs for HDHP Members

If you enroll in the HDHP medical plan, there are certain preventive generic drugs that are covered at 100% and not subject to the deductible. Medications on this list include drugs in the categories of anticoagulants/antiplatelets, bowel preparation, breast cancer primary prevention, contraceptives, depression, diabetes medications, diabetic supplies, fluoride, high blood pressure, high cholesterol, osteoporosis, respiratory, tobacco cessation, and vaccines. Another way enrolling in the HDHP can help save you money!

VIEW THE LIST

HSA Resources

About HSAs

WATCH VIDEO

Eligible Expenses

VIEW THE LIST

HSA Planner

PLANNER

Flexible Spending Account (FSA)

What is a Flexible Spending Account?

A Flexible Spending Account (FSA) is a type of savings account that allows you to save money for specific, qualified expenses. These accounts have limits set by the IRS. Freese and Nichols offers a few different accounts that you may elect funds in:

Healthcare FSA: covers health expenses such as prescription drugs, insurance copayments and deductibles and medical devices. This account can be partnered with the base PPO or buy up PPO plans.
Limited Purpose FSA: covers qualifying dental, vision, and preventive care expenses and can be paired with a high-deductible health plan (HDHP) and a health savings account (HSA).
Dependent Care FSA: helps participants save money on eligible dependent care services, such as child (up to age 13) or adult daycare, before or after school programs, summer day camp, and more! Freese and Nichols will contribute up to $1,000 to your Dependent Care account.*

*Prorated based on plan entry date.

CALCULATE HOW MUCH YOU WANT TO SET ASIDE

FSA Resources

Dependent Care FSA

WATCH VIDEO

FSA Calculator

CALCULATOR

Eligible Expenses

VIEW THE LIST

Additional Elections

Additional elections include several benefits from Symetra, including Accident Insurance, Critical Illness Insurance, the Employee Assistance Program, Hospital Indemnity, and Life Insurance, as well as LegalShield, ID Shield and Nationwide Pet Insurance.

Symetra: Accident Insurance

LEARN ABOUT ACCIDENT BENEFITS

Symetra: Critical Illness

LEARN ABOUT CRITICAL ILLNESS BENEFITS

Symetra: Employee Assistance Program

LEARN ABOUT EMPLOYEE ASSISTANCE BENEFITS

Symetra: Hospital Indemnity

LEARN ABOUT HOSPITAL INDEMNITY BENEFITS

Symetra: Life Insurance

LEARN ABOUT LIFE BENEFITS

LegalShield

VIEW PLAN DETAILS

IDShield

VIEW PLAN DETAILS

Pet Insurance

VIEW PLAN DETAILS AND ENROLL

Benefits Support Services

Freese and Nichols offers support for navigating benefits through Marsh & McLennan Agency (MMA) Freese and Nichols Service Center. MMA is knowledgeable about our specific benefits plans and can help with major claims or simple questions. We are also offering a new online tool called Nayya to help you navigate the benefits decision-making process.

MMA Freese and Nichols Service Center

Contact MMA Freese and Nichols Service Center:
FreeseandNichols@marshmma.com
855-450-0194
PIN: 1791

EMAIL MMA

Nayya

ACCESS NAYYA

What is the MyPerks App?

The MyPerks app is designed to help you navigate our benefit offerings and is personalized based on your enrollment. It also includes important company information. Discover all the beneficial information you need, when you need it, all in one place. It enables you to:

View company benefits plans, resources and documentation on your phone
Access carrier policy information
Quickly contact a benefits carrier using the “Tap to Call” feature in the app
Keep up to date with important company announcements with push notifications
Participate in employer surveys
Store images of ID cards
Provide enrolled dependents access to the MyPerks app

How to Sign Up

Step 1: From the camera on your smartphone, scan the QR code.

Step 2: Follow the steps to complete the registration process.

Step 3: You will be prompted to download the app where you will enter your username and password that you just created.

Ready to enroll?

You can use SSO to sign into Workday to begin your enrollment. View this video to help with Open Enrollment steps in Workday:

ENROLL HERE

Questions?

If you have questions or need assistance, contact your Human Resources Business Partner or email OpenEnrollment@freese.com.