NLB Global Group Health Plans: Medical, Vision and Ningen Dock
We excel at navigating employee benefits for foreign owned companies in the U.S. because we are one.
Nippon Life Benefits is a Subsidiary of Nippon Life Insurance
World-Class Financial Strength
Founded in 1889, Nippon Life is headquartered in Osaka and Tokyo, Japan* with $645 billion in assets*
Employees:
• 47,937 Sales Representatives
• 20,135 Non-Sales Main Lines of Business
• Individual & group life insurance
• Supplemental medical insurance
• Individual & group annuity
• Disability insurance Nippon Life Insurance Ratings and Rankings*
• Ranked the third largest mutual life insurance company in the world by S&.P.1
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We excel at navigating employee benefits for foreign-owned companies because we are one.
NLB Global offers medical coverage for U.S.-based employer groups with foreign ownership. Flexible benefits include Medical, Vision, and Ningen Dock—a comprehensive preventive health checkup program.
• Direct access to over 1.3 million doctors, hospitals and walk-in clinics
• Assistance locating hospitals, doctors and specialists
• Our exceptional customer service team provides multilingual support and materials in English, Japanese, Korean, and Spanish
• Help with finding health care services
• Assistance with prescription medications, medical devices, and second opinions
• Personalized assistance for managing chronic or complex health conditions and coordinating care among your medical providers
Medical Plan Networks
National PPO Networks
• Aetna Signature Administrators ® (ASA)
• ASA is a national PPO network with more than one million participating physicians and approximately 6,400 hospitals.
• It is one of the country’s most comprehensive PPO network and holds NCQA accreditation
Private Healthcare Systems (PHCS)
• PHCS is one of the largest PPO networks, with over one million providers and 4,700 hospitals
• It provides nationwide access to providers and facilities and holds NCQA and URAC accreditation
Medical Plan Options
• PPO Plans: offer a variety of deductibles, coinsurance, copays, and out-of-pocket options, allowing you to customize a benefit solution that meets your needs
• PPO Value Plans: similar to our Evolution PPO Plans with higher out-of-network limits to encourage in-network usage
• High-Deductible Health Plans (HDHP): high-quality, costeffective coverage, meant to save premium dollars, promote health advocacy
• HDHP Value Plans: similar to our HDHP Plans but include higher out-of-network limits to encourage in-network usage - drives down premium even further
Vision Plan Highlights
Additional Discounts* Through EyeMed**
• Up to $1000 off LASIK at LasikPlus®
• $25 off with vision insurance at Target Optical®
• $50 towards glasses at Pearle Vision®
• 10% off contact lenses at ContactsDirect.com
• Up to $150 off annual supply of contact lenses at Target Optical®
Additional callouts that are standard across all plans
• Up to 40% off additional pairs - the best, most flexible in the industry
• 20% off any remaining frame balance
• 20% off any non-covered item
• 15% off any balance over the conventional contact lens allowance
Ningen Dock Explained
Ningen Dock Program: Inspired by ships at dock for maintenance, it offers comprehensive health assessments.
Preventive Medicine: Developed in Japan to identify health risks early, detect cancer and lifestyle diseases, and confirm overall health status.
Diagnostics: Includes blood tests, chest X-rays, ultrasound scans, and optional advanced diagnostics like endoscopy, CT scans, and MRIs.
Health Outcomes: This proactive approach leads to better health and longer life spans, a cornerstone of Japanese healthcare.
*Excluding children.
Ningen Dock Scope of Coverage
• Exclusively available to expatriate employees (Non-U.S. citizens temporarily working in the United States)
• Covers annual employer-required routine physical exams and eligible services in the U.S.
• Option to include spousal coverage
• In-network and out-of-network: 100% of covered services up to $2,000 annually, with no deductible or copay.
• $4,000 buy-up option for enhanced coverage
Ningen Dock Process
Members present their Ningen Dock ID card at their provider's office.
If the provider is in-network, no further action is needed is needed by the member.
Out-of-network providers may require upfront payment from the member, who can then submit a claim to NLB for reimbursement.
In-network and out-of-network: 100% of covered services up to $2,000 annually, with no deductible or copay.
Global Coverage with Aetna International
Scope of Coverage
• Medical and prescription coverage while traveling outside the U.S.
• Extends from routine check-ups to emergency treatments
• Members can visit any provider without requiring referrals
• Access to 165,000 providers outside the U.S.
• Coinsurance, deductibles, and out-of-pocket cost sharing are the same as the in-network cost-sharing within the U.S. plan benefits.
• 24/7 member service in 240 languages
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Traditional East Asian Medicine
Benefit Enhancement
• Provides additional coverage for a variety of services such as acupressure and herbal supplements.
Sample of covered services
• Acupuncture
• Acupressure
• Hypnotherapy
• Massage Therapy
• Cupping
• Tai Chai
Sample of covered supplements
• Ginseng
• Fucoidan
• White Flower Oil
• Tiger Balm
Healthcare Accounts
Save on taxes and pay for qualified expenses.
• FSA (Flexible Spending Account) - Employer and/or Employee funded account to reimburse employees for qualified expenses
• HRA (Health Reimbursement Arrangement)Employer funded plan that can be used to reimburse a portion of Employees’ out-of-pocket medical expenses
• HSA (Health Savings Account) - A tax-advantaged personal account to pay for qualified expenses when paired with a compatible HDHP plan
Lab Testing – QuestSelect - Advanced and Plus
Outpatient lab work through Quest Diagnostics®, accredited and certified for most diagnostic tests.
For PPO members:
• Option to have covered outpatient lab testing performed at no cost Provider collection and handling fees may not be fully covered
• We pay the full amount of covered and approved lab services
• No deductibles, copays, or coinsurance costs
For HDHP members:
• Deeply discounted testing.
Tests Include:
• Blood, cholesterol, and urine tests
• Pap smears.
• Biopsies
• Cultures
• Other cytological and pathological tests
Prescription Drugs
• Prescription drug benefits are provided through CVS Caremark, the largest provider of prescriptions in the country
• More than 68,000 participating pharmacies nationwide (both CVS and non-CVS pharmacies)
• CVS Caremark Prescription Mail Service pharmacy for home delivery
• Specialty Pharmacy Services for the treatment of rare or complex conditions
• Discount program for high-cost injectable drugs
• Fast Start / Phone Option
• Order Form Option / Mail with 90 Day Script
• Auto Refill Option / Maintenance Medications
Active & Fit Direct®
• Access to 8,100+ online workout videos for home or on-the-go exercise
• Low one-time enrollment and a monthly fee
• 17,500+ standard fitness centers
• Unlimited one-on-one personalized lifestyle coaching via phone in fitness, nutrition, stress, and sleep
• No long-term contract
• Just $28 a month*
Prenatal Program
• Helping parents give babies a healthy start
• Designed to promote the health and wellbeing of babies and soon-to-be moms to help prevent health issues during pregnancy
• No cost to members
• $100 reward to participants who enroll during the first 20 weeks of pregnancy
• Call to enroll: #1-833-462-0090
• Provides 24/7 access to a national network of U.S. board-certified physicians for non-emergency medical issues or mental health visits via phone or online video
• Oldest and largest telemedicine company in U.S.
• Services all 50 states*
• Meet via phone or video chat with board-certified, state-licensed physicians for non-emergency issues
• Available for all members who request medical coverage
• PPO-No Cost for regular and MH Teledoc visits
• HDHP-Standard Visits: $55
MH cost: Psychiatrist Initial Visit: $220
Psychiatrist Ongoing Visits: $100
Psychologist, Counselor, or Therapist Visits: $90
Care Management
Aetna Active Health/Suite of Medical Management Solutions
• Pre-admission Authorization
• Large Case Management
• Utilization Management
Care Management
• Pre-admission certification
• Discharge planning
• Concurrent hospital review
• Retrospective hospital review
• Large Case Management identification and implementation
• Alternative care intervention
Organ Transplant
We work with two nationally recognized networks:
• Aetna’s Institutes of Excellence (Members in Aetna Signature AdministratorsTM)
• OptumHealth (Members in PHCS)
Wellness Services (Powered by ActiveHealth)
Core Package is included in the Medical plan at no additional cost.
CareEngine: Spots care gaps or errors and suggests improvements for members and providers
• CareEngine: Recommends screenings, tests, or treatments and warns about potential drug interactions
Wellness Portal: Provides online health assessment, personal health records, and extensive health education and resources.
• Easy access through Nippon Life Benefits’ member site and Mobile App (log-in required)
• All members aged 18 and older have their own access to the portal
• Dependents under 18 are included in the employee’s portal
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Additional Wellness Buy-Up Programs
Employee Assistance Program through Telus ($1.15/employee)
• 24/7 best-in-class counseling
• Immediate telephone support from specialized professionals in counseling, social work, psychology or human services
• Virtual counseling: Video, Telephonic & SMS/Text.
• Immediate access to an EAP counselor through video and phone for confidential and secure virtual sessions
• Face-to-face, in-person, counseling
• Referrals to the LifeWorks extensive network of master’s level clinical counselors and affiliates
Additional Wellness Buy-Up Programs
Wellness Buy-Up Packages (Core package included with medical plans)
• Buy-up Package A: Core + Online Rewards Center, Incentive Report
• Buy-up Package B: Core + A + Biometrics Screening
• Buy-up Package C: Core + A + B + Telephonic Lifestyle Coaching
Wellness Portal
• Easy-to-use tips, tools, and trackers
• Simple dashboards to track progress.
• Action items, reminders, health assessments, and more
Wellness Portal CareEngine
Rewards Center
Biometric Screening
Telephonic Lifestyle Coaching
with Plan purchase)
Online Benefits Management
24/7 Access through the NLB Portal and NLB Mobile App
• View and download premium statements
• View benefit details
• Review online eligibility activities and add, terminate, or change member eligibility
• Download forms
• View claim activities and benefit details
• Access the wellness portal
• View and print temporary ID card for members
• Find a provider
• Message customer service
