Medical Insurance
Flexible Plans, Personalized Care
Our flexible coverage offers a wide range of plan designs, guaranteeing access to quality healthcare services and essential support when needed most.
With competitive rates, extensive provider networks, and exceptional multilingual customer service, our plans are tailored to meet the unique needs and budgets of each individual.
For more information, view our brochure
For foreign-owned companies operating in the U.S., we offer NLB Global, which includes Medical, Vision, and Ningen Dock coverage.
Learn more about NLB Global.
Why Medical from Nippon Life Benefits?
Extensive Networks
Access to over a million providers and hospitals for
quality care anywhere.
Flexible Coverage
Customizable PPO and HDHP plans tailored to your
healthcare needs and budget.
Beyond Basic Benefits
Additional perks like Teladoc, wellness programs, and
fitness memberships are available at no extra cost.
Medical Plan Options
PPO Plans
Customizable deductibles, coinsurance,
copays, and out-of-pocket options
PPO Value Plans
Similar benefits to our PPO plan with
higher out-of-network limits to encourage
in-network usage.
HDHP Plans
High-quality, cost-effective coverage to
save premium dollars and promote health
advocacy.
HDHP Value Plans
Similar benefits to our HDHP plan with
higher out-of-network limits to further
reduce premiums.
Network Highlights
We have partnered with industry-leading networks to bring convenient access to care and exceptional benefits to our members.
Learn More about our partner networks.
Aetna Signature Administrators®(ASA)
- National PPO network with 1M+ physicians and 6,400 hospitals
- One of the most comprehensive PPO networks in the U.S., NCQA-accredited
- Aetna International: Global medical and prescription coverage while traveling outside the U.S., with access to 165,000 providers worldwide
Private Healthcare Systems (PHCS)
- One of the largest national independent PPO networks, delivering broad access to over 1 million providers and over 4,600 hospitals.
- Nationwide access to providers and facilities
- The only independently contracted national primary PPO to be NCQA accredited
More Comprehensive Benefits
Aetna International
Your medical and prescription coverage travels with you—anywhere in the world.
Prescription Drugs
Prescription drug benefits are provided through CVS Caremark, with over 60,000 participating pharmacies nationwide.
Lab Testing Benefits
We offer fast, accurate outpatient lab work through Quest Diagnostics®, the nation’s leading provider of diagnostic testing.
Teladoc®
Our Teladoc partnership offers 24/7 access to U.S. board-certified physicians for non-emergency medical and mental health issues via phone or video.
Medical Management
We provide Utilization and Case Management solutions to identify and support "at-risk" employees.
Prenatal Care Program
Our Special Delivery benefit is designed to promote health for Expectant moms and babies at no cost to our members.
Wellness Services
Every medical plan includes a core wellness program at no additional charge. Our wellness program is powered by ActiveHealth.
Health Care Accounts
Healthcare savings accounts such as HSAs, HRAs, and FSAs can help pay for certain health care expenses.
New to Nippon Life Benefits?
Let’s Connect!
Dental Insurance
More Providers. More Access. More Reasons to Smile!
Seamless nationwide dental access—designed for today’s needs. Enjoy greater flexibility, more choices, and exceptional value—all in one place.
With NLB Network Access, you have access to participating providers from the nation’s top four dental networks, combined into one powerful solution.
- Over 500,000 participating providers nationwide
- Unmatched access and convenience
- One seamless network experience
For more information, download our brochure
Why Dental from Nippon Life Benefits?
Extensive Networks
We’ve partnered with industry leaders such as Aetna
Dental Administrators, Careington, Connection Dental,
and DenteMax to deliver high-quality, convenient care
to our members, wherever they are.
Plan Enhancements
Our dental plans feature Max Rollover, upgraded
classifications for key services, preventive care
excluded from the annual max, and unified
deductibles.
Quality-Driven Care
We help employers deliver benefits packages that
prioritize employee oral health and satisfaction, while
supporting long-term cost savings
Dental Plan Options
Flexible Plan Designs
We offer various plans to choose from, each with a selection of deductibles and calendar-year benefit maximums. Our dental plans are designed for simplicity and flexibility, offering a straightforward approach to dental care.
Balanced Affordability
Voluntary and contributory dental plan options are available to help you customize your
employee benefits while staying within budget.
New to Nippon Life Benefits?
Let’s Connect!
Vision Insurance
See the Difference with Our Vision Coverage
Your vision matters—at work, at home, and everywhere in between. That’s why Nippon Life Benefits offers comprehensive vision insurance designed to keep your eyes healthy and your costs low.
We’ve partnered with EyeMed Insight Vision Network® , one of the largest and most trusted networks in the country, to bring you:
- Nationwide access to over 154,000 eye care professionals
- Convenient care at top optical retailers and independent providers
- Valuable savings on exams, lenses, frames, and more
For more information, download our brochure
Why Vision from Nippon Life Benefits?
Extensive Network
Powered by EyeMed, members have access to quality care and eyewear wherever they are.
Flexible Choices
With options including LensCrafters®, Pearle Vision®, Target Optical®, and many other favorite regional retailers, you can pick the location and hours that work for you.
Online Options
Use your benefits at online stores, including LensCrafters, Glasses.com, Target Optical, Ray-Ban, Oakley, and ContactsDirect.
Vision Plan Options
Allowance Plans
Get a low copay for eye exams and a generous allowance toward frames, lenses, or contact lenses at in-network providers.
Copay Plans
Enjoy paid-in-full benefits for eye exams, contact lens fittings, and follow-up visits. Plus, get discounts on lens enhancements like UV treatment and tinting.
New to Nippon Life Benefits?
Let’s Connect!
Life Insurance
Protecting What Matters Most
Our life insurance plan designs are built to meet the unique needs of any organization, offering flexible coverage levels based on occupation, salary, or length of employment.
Easily enhance your Group Term Life, Supplemental Life, Voluntary Life, and Dependent Life plans for added protection—when it matters most.
Our voluntary life options allow employees to select the coverage that best suits their personal and family needs. Easily enhance your Group Term Life, Supplemental Life, Voluntary, Dependent Life plan for added protection—when it matters most.
Our AD&D coverage provides additional benefits for accidental death or certain severe accidental injuries.
For more information, download our brochure
Why Life from Nippon Life Benefits?
Flexible Coverage
We offer options for a plan tailored to the unique needs of employees. All plans include conversion.
Customizable Options
Employers can choose between flat plan amounts, multiple of earnings, or by employee classes.
Reliable Protection
We provide dependable protection from a company with proven financial strength and stability.
Life Insurance Plan Options
Group Term Life
Our flexible plan designs let companies tailor coverage levels by occupation and salary, aligning benefits with workforce structure.
Additional Features
We offer Supplemental, Voluntary, and Dependent Life insurance, enabling employees to customize their benefits to fit their needs.
AD&D
AD&D coverage is available in conjunction with Group Term, Supplemental, and Voluntary Life plans, for additional financial protection.
New to Nippon Life Benefits?
Let’s Connect!
Disability Insurance
Every employee is unique, and so is every disability. While some injuries or illnesses may result in only a few weeks away from work, others can be far more serious, potentially incapacitating an employee for months or longer.
Over 51 million working adults in the U.S. lack disability coverage beyond Social Security. Nearly 40% are unable to cover a $400 emergency without borrowing. Additionally, about 1 in 4 of today’s 20-year-olds will face a year-long disability before retirement.*
This is why Short-Term and Long-Term Disability Insurance matters. Our customizable plans empower employers to provide a valuable benefit that supports their workforce, backed by a best-in-class claims process designed to facilitate a smooth and timely return to work.
*Council for Disability Awareness, Disability Statistics.
For more information, download our brochure
Why Disability from Nippon Life Benefits?
Custom Coverage
Multiple plan options allow you to tailor coverage for your employees with programs designed to provide partial income replacement and support employee rehabilitation.
Flexible Benefits
A wide range of elimination periods and benefit durations allows employers to customize coverage.
Exceptional Support
Vocational rehabilitation and return-to-work support are available with premium waivers during eligible disability periods to reduce financial strain.
Disability Insurance Plan Options
Short Term Disability
Income replacement up to 66 2/3% of salary on most group disability plans
Long Term Disability
LTD benefits are paid in the event of a long-term illness or injury that prevents you from working.
New to Nippon Life Benefits?
Let’s Connect!
NLB Global
Medical Benefits for Foreign-Owned Companies in the U.S.
As a foreign-owned company ourselves, we understand the unique challenges of navigating employee benefits in the U.S.
Included in our NLB Global plan is Medical, Vision, and Ningen Dock—a comprehensive checkup program supporting preventive care and early detection.
Employers can also select to purchase or fund additional programs such as: Dental, Life and Disability.
For more information, download our brochure
Why NLB Global from Nippon Life Benefits?
Extensive Networks
We offer PPO options for regional, national, and global coverage through Aetna Signature Administrators®, Aetna International, PHCS, and other providers.
Additional Options
Employers can also select to purchase or fund additional programs such as: Dental, Life and Disability.
Customized Service
Multilingual and cultural support available by phone or on-site to assist with plan benefits and claims management.
Medical Plan Options
PPO Plans
Customizable deductibles, coinsurance, copays, and out-of-pocket maximums to suit diverse needs.
PPO Value Plans
Similar to our PPO Plans with higher out-of-network limits to encourage in-network usage.
High-Deductible Health Plans (HDHP)
Quality, cost-effective coverage for premium savings and health advocacy.
HDHP Value Plans
Like our HDHP Plan, but with higher out-of-network limits to further reduce premiums.
Network Highlights
We have partnered with industry-leading networks to bring convenient access to care and exceptional benefits to our members.
Learn More about our partner networks.
Aetna Signature Administrators® (ASA)
- National PPO network with 1M+ providers and ~6,400 hospitals
- NCQA-accredited and among the most comprehensive PPOs
Private Healthcare Systems (PHCS)
- One of the largest PPOs with 1M+ providers and 4,700 hospitals
- Offers nationwide access; NCQA and URAC accredited
More Comprehensive Benefits
Aetna International
Medical and prescription coverage while traveling outside the U.S
Prescription Drugs
Prescription drug benefits are provided through CVS Caremark, with over 60,000 participating pharmacies nationwide.
Lab Testing Benefits
We offer fast, accurate outpatient lab work through Quest Diagnostics®, the nation’s leading provider of diagnostic testing.
Teladoc®
Our Teladoc partnership offers 24/7 access to U.S. board-certified physicians for non-emergency medical and mental health issues via phone or video.
Medical Management
We provide Utilization and Case Management solutions to identify and support "at-risk" employees.
Prenatal Care Program
Our Special Delivery benefit is designed to promote health for Expectant moms and babies at no cost to our members.
Wellness Services
Every medical plan includes a core wellness program at no additional charge. Our wellness program is powered by ActiveHealth.
Health Care Accounts
Health care accounts such as HSAs, HRAs, and FSAs can help pay for certain health care expenses.
New to Nippon Life Benefits?
Let’s Connect!
Networks
Expanding Access Through Strategic Partnerships
At Nippon Life Benefits, we partner with top-tier networks to offer broad provider access, competitive discounts, and greater convenience, giving our members more choices and meaningful savings.
Network Highlights
Aetna Signature Administrators® (ASA)
- National PPO network with over one million participating providers and 6,400 hospitals
- One of the most comprehensive PPO networks in the U.S., NCQA-accredited
- Aetna International: Global medical and prescription coverage while traveling outside the U.S., with access to 165,000 providers worldwide
Private Healthcare Systems (PHCS)
- One of the largest national PPO networks, with over 1 million providers and 4,600 hospitals
- Nationwide access to providers and facilities
- Accredited by NCQA and URAC for quality and performance
Dental Networks
- NLB Dental Network Access includes the top four national dental networks in one integrated solution: Aetna, Careington, Connection Dental, and DenteMax
- Over 500,000 participating providers nationwide
- Exceptional convenience and coverage
- Seamless network experience
Vision Networks
- Powered by EyeMed
- Access to 154,000 providers.
- Online Access: LensCrafters, TargetOptical, Contact Direct, Glasses.com,
Ray-Ban, and, Oakley - In-Network Utilization: 97%