Employees can choose from a variety of programs, including medical, dental, and vision insurance. We also offer group term and supplemental life and accident insurance, and short-term and long-term disability insurance.
Benefits start immediately upon hire. There is no waiting period.
Employees are given a choice of four medical plans so they can select an option that works best for them and their families. While each plan offers comprehensive coverage for most services, they differ by benefit levels, cost, and flexibility in the choice of providers and facilities. Prescription drug coverage is included when enrolled in any of the medical plans.
These links lead to the machine readable files that are made available in response to the federal Transparency in Coverage Rule and includes negotiated service rates and out-of-network allowed amounts between health plans and healthcare providers. The machine-readable files are formatted to allow researchers, regulators, and application developers to more easily access and analyze data:
With the dental plan, employees can choose any dentist, in- or out-of-network. Coverage includes most preventive procedures at low or no cost, and referrals are not required.
Employees have the option to elect comprehensive vision coverage. The plan provides employees access to a broad network of providers.
Employee Assistance Program (EAP)
Employees have access to a comprehensive EAP, which provides employees and their family members with free, confidential assistance to help with family, personal, and job-related issues.
Health club membership
Employees may receive monthly reimbursement of up to $29 per month for a health club membership.
Health management programs
In partnership with Johns Hopkins Medicine, the Frederick National Laboratory offers employee programs to prevent, manage, and learn about some diseases and health concerns.
Work Stride: Managing Cancer at Work provides information on how to prevent cancer, recognize early warning signs, and manage cancer treatment to optimize health and well-being. The program is provided at no cost to employees and their family members.
Balance can help employees manage stress, depression, and substance abuse concerns with a confidential pathway to comprehensive resources and services.
FNL employees may access two programs to help prevent and manage diabetes:
Other health options
Healthcare Flexible Spending Account: Contribute up to $2,750 per year pre-tax, to apply to eligible healthcare expenses.
Dependent Care Flexible Spending Account: Contribute up to $5,000 per year pre tax, to apply to qualified dependent-care expenses.
Critical Illness Insurance: Can help alleviate the financial impact of a sudden, life-threatening illness. Coverage helps pay expenses not covered by medical insurance including deductibles, copays, child care, travel expenses, and more.
Hospital Indemnity Insurance: Pays a benefit for each day the covered individual is hospitalized, up to specific maximum limits. Benefits are paid directly to the insured.
Pet Medical and Discount Prescription Plan: With Pet Assure’s Veterinary Discount Plan, employees save on all in-house medical services at participating veterinarians. Employees can also save on brand-name prescriptions.
MetLife Legal Plans: Provides coverage for a wide range of personal legal matters, including financial and personal. MetLife Legal Plans offer access to a national network of 15,000+ experienced attorneys.