NLB Global Brochure by Nippon Life Benefits

NLB Global

We excel at navigating employee benefits for foreign-owned companies because we are one.

We offer a flexible range of employee benefit programs, including group insurance for employees and their families.

Since 1991, Nippon Life Benefits has been delivering customized employee benefits packages that cater to the unique needs of each client. As a highly regarded international insurance company with over 30 years of experience in the U.S., NLB Global provides quality group coverage to employees and ex-pats of foreign-owned companies operating in the U.S.

Our commitment goes beyond excellence; we embody compassion and respect for every individual we serve. We prioritize treating employees and their families with the utmost respect, honor, and dignity.

Our flexible NLB Global benefits include promotes preventive healthcare and early detection of potential health issues. Additionally, our exceptional service team offers multilingual support and member materials in English, Japanese, Korean, and Spanish.

We are the U.S. subsidiary of Japan-based Nippon Life Insurance Company companies1 with $645 billion in assets

Medical Plan Options

• PPO Plans options so you can customize a benefit solution to meet your needs.

• PPO Value Plans out-of-network limits to encourage in-network usage.

• High Deductible Health Plans (HDHP) save premium dollars and promote health advocacy.

• HDHP Value Plans network limits to encourage in-network usage and drive down premium even further.

• Qualified HDHP Plans

Group Insurance Benefits for Foreign-Owned Companies

Options

Our program offers employers multiple plan options, allowing them to find the perfect fit for their employees.

Multilingual Service

Our exceptional customer support and member materials are available in English, Japanese, Korean, and Spanish Networks

We offer PPO options for regional, national, and global coverage through Aetna Signature Administrators®, Aetna International, PHCS, and other providers

Our Ancillary Solutions

Dental Provider Networks

With NLB Dental Network Access, your clients gain access to all participating providers from the nation’s top four dental networks, combined into one powerful solution.

• Access to Aetna Dental, Careington, Connection Dental, and DenteMax networks

• Over 500,000 participating locations nationwide

• One seamless network experience

Dental Insurance

Maximize benefit dollars with comprehensive coverage and service. Choose from UCR or MAC options for added flexibility.

Vision (powered by EyeMed)

Includes allowances for exams, lenses, frames, and contacts. The EyeMed Insight network offers access to over 154,000 providers nationwide.

Life Insurance

Affordable Basic, Dependent, and Supplemental Life insurance coverage to employees and their families.

Accidental Death and Dismemberment (AD&D)

We offer low-cost AD&D coverage for employees for additional protection in case of accidental loss of life, limb(s), or eyesight.

Disability Insurance

Short Term and Long Term disability coverage, ensures support during times of illness or injury.

Online Benefits Management

Streamlined benefits management with nipponlifebenefits.com, and mobile app for on-the-go dental, and vision coverage.

Global Coverage with Aetna International

How Does it Work?

International plan benefits include coinsurance, deductibles, and out-of-pocket cost-sharing, similar to U.S. in-network benefits. Members can visit any provider abroad without needing referrals.

We recommend using in-network providers for covered medical services to ensure direct billing to Aetna, reducing out-of-pocket costs at the time of service.

Before traveling, members can register on the Aetna International website and download the

Enjoy medical coverage wherever and whenever you need it, regardless of your travel destination.

With a network of over 165,000 providers outside the U.S., members can access care that is both convenient and affordable, all without upfront costs.

This benefit is seamlessly integrated into all our medical plans, so members have access to U.S. and international medical networks. It’s like having a safety net that spans continents.

Scope of Coverage

Medical and Prescription Services

Our international coverage focuses on medical and prescription needs. Coverage extends from routine check-ups to emergency treatments.

Exclusions

While we prioritize medical services, please note that dental, vision, and other benefits are not included under this specific benefit.

Surgical Support

Easily access plan information, find providers, manage claims, and more online when traveling internationally.

Ningen Dock: Included in the NLB Global Benefits Package

The Ningen Dock comprehensive checkup program promotes preventive healthcare and serves to improve health outcomes by detecting potential health issues early.

What is Ningen Dock?

The Ningen Dock Program, inspired by ships that regularly dock in ports for examinations and repairs, offers comprehensive health assessments to individuals.

It is a health examination system developed in Japan for preventive medicine. Its primary objectives are to detect cancer and lifestylerelated diseases early, as well as to confirm overall health status.

By combining various tests, including blood tests, chest X-rays, ultrasound scans, and optional advanced diagnostics like endoscopy, CT scans, and MRI, the Ningen Dock aims to identify potential health risks before they become more serious or difficult to treat.

This proactive approach contributes to better health outcomes and longer life spans, making it a cornerstone of Japanese healthcare.

Scope of Coverage: Standard Benefits*

• Eligible Rotational members are covered. Spousal coverage is optional

• Ningen Dock Standard benefits include a $2,000 annual maximum per individual ($4,000 buy-up option available for enhanced coverage)

• Covers 100% of charges with no deductible or copay. (Add buy-up back in)

• Members can go to any provider who offers Ningen Dock services regardless of network participation, inside and outside the U.S.**

• NLB Global members receive Ningen Dock ID cards in addition to their medical card

To obtain claim forms (sample claim form on page 5):

• Download the claim form for treatment within the U.S.

• Download the claim form for treatment outside the U.S.

• Or email at JCS@nipponlifebenefits.com

Or call the NLB Customer Service Team:

• English: 1-800-374-1835

• Japanese: 1-800-971-0638

• Korean: 1-877-827-8713).

*The Ningen Dock Program may not cover services already payable under other provisions of the Group Policy. **For Ningen Dock services outside the U.S., contact Aetna International at 1-800-231-7729.

Ningen Dock Covered Tests and Examinations

Vision Benefit Summary

EyeMed Insight Network

Exam with Dilation as necessary

Eyeglass Lenses

Single Vision

Bifocal

Trifocal

Lenticular

Standard Progressive Lenses

Premium Progressive Lenses (price varies by tier)

Frames/Contact Lenses

Frames

Conventional

Disposable

Medically Necessary

Contact Lens Fitting/Follow up**

Frequency Examination

Lenses or Contact Lenses

Frames

Additional Pairs Benefit (In-Network Only)

Included Lens Options

UV Treatment

Tint (Solid and Gradient)

Standard Plastic Scratch Coating

Standard Polycarbonate - Adults

Standard Polycarbonate - Kids under 19

Standard Anti-Reflective Coating

Polarized

Photochromatic/Transitions Plastic Premium Anti-Reflective: Tier 1

$10 copay

$75 copay

$95-$120 copay $15 reimbursement $23 reimbursement

$130 allowance

$0 copay, paid in full

$40 reimbursement $40 reimbursement $23 reimbursement $23 reimbursement

reimbursement

Once every 12 months. Once every 12 months. Once every 12 months.

Members also receive a 40% discount off complete pair of eyeglass purchases and a 15% discount off conventional contact lenses once the provided benefit has been used.

Medical PPO Plan Options

Calendar Year Deductible1

Individual In-Network/Out-ofNetwork

Family In-Network/Out-ofNetwork You Pay

•$250/$500 •$500/$1,000 •$1,000/$2,000 •$1,500/$3,000

In-Network Co-Insurance1 Plan Pays 100%, 90%, 80%, 70%

Out-of-Network Co-Insurance2 Plan Pays 80%, 70%, 60%, 50%

Out of Pocket Limits2 Individual In-Network/Out-ofNetwork Family In-Network/Out-ofNetwork You Pay

•$4,000/$8,000 •$5,000/$10,000 •$7,000/$14,000 2x individual out of pocket limits

Primary Care /Specialist Office Visit Copay You Pay $20/$50 •$25/$50 •$30/$50 •$40/$75 •$50/$75

Prescription Drug Coverage You Pay

$15/$30/$50 •$20/$40/$60 •$25/$50/$75 (Optional combined preferred and non-preferred drug deductible of $250, $500 or $750, then applicable copay)

Emergency Room Copay You Pay In-Network: $150, $250 then 100% (waived if admitted) Out-of-Network: Deductible then plan benefit percentage

Urgent Care Facility Copay You Pay $50

Non-Network Reimbursement

Additional Benefit Enhancements

* CA, IL, IN, MI, PA, SC, TN, TX, WI.

RBRVS – screened at 125% of Medicare Fee Schedule

• Specialist/Urgent Care copay equal to Primary Care

• Non-network reimbursement - screened at the 70th percentile, reasonable and customary

Calendar Year Deductible – Separate in-network and out-of-network deductibles apply. Charges that apply to one do not apply to the other. Not all combinations and/or plan options may be available in all states.

Medical PPO Value Plan Options

Policy Series NP 5500, et al, and Booklet-Certificate Series NBM 5100, et al is underwritten by Nippon Life Insurance Company of America®marketing name Nippon Life Benefits® , NAIC number 81264, licensed & authorized in all states plus DC, except not ME, NH or WY, domiciled in Iowa, with a principal place of business at 666 Third Avenue, Suite 2201, NY, NY 10017. Nippon Life Benefits is a member company (subsidiary) of Japan-based Nippon Life Insurance Company. Nippon Life Benefits is responsible for its own financial condition and contractual obligations. Benefits may vary by state. For costs and any further details of coverage, including exclusions, any reductions or limitations, and the terms under which the policy may be continued in force, see your Nippon Life Benefits representative.