COVID-19 Benefit Information

UPDATE – Effective May 12th, 2023:

The federal government has announced that the two national emergencies addressing COVID-19, the public health emergency (PHE) and the national emergency, will end on May 11, 2023. Given this information, Nippon Life Benefits will update the way that certain COVID-19 benefits are paid.

  • COVID-19 Vaccines, including boosters: Continued to paid at $0 cost sharing for our members in-network.
  • COVID-19 at-home test kits, also known as over-the-counter, or OTC test kits: Members will pay the retail cost of tests kits and the test kits are no longer covered after 5/11/23. Free tests are still available through the federal government which you can find here: - Free at-home COVID-19 tests
  • COVID-19 Lab tests/Physician ordered tests: Members will pay in accordance with their standard plan benefits.
  • COVID-19 Treatment: Members will pay in accordance with their standard plan benefits.



Nippon Life Insurance Company of America is continuously monitoring, and implementing policy and procedures to comply with, applicable federal and state law and directives related to the COVID-19 pandemic. This information is subject to change, at any time and without notice, by Nippon Life Insurance Company of America. Further, the policies and procedures summarized herein may vary based upon your policy situs state and/or state of residence. Please contact Customer Service for additional details. This material and information is intended for informational purposes only – the material and information provided on this website does not, and is not intended to, constitute legal or medical advice.