Employee Benefits for Foreign-Owned Companies
Since 1991, Nippon Life Benefits has delivered customized employee benefits with exceptional service.
We specialize in comprehensive group coverage for foreignowned companies operating in the U.S., including Medical, Dental, Vision, Life, and Disability Insurance, as well as multilingual support to help members navigate U.S. healthcare.
As a U.S. subsidiary of Nippon Life Insurance, we’re backed by one of the world’s largest mutual life insurers, with $656B in assets¹ and an A+ (Superior) from AM Best²
Our flexible coverage offers a range of plan options for quality care and essential support when it matters most. We deliver competitive rates, extensive provider networks, and exceptional customer service, tailored to meet diverse needs and budgets
Medical Plan Options
• PPO Plans: Customizable deductibles, coinsurance, copays, and out-of-pocket options
• High-Deductible Health Plans (HDHP) provide high-quality, cost-effective coverage to save premium dollars and promote health advocacy
Aetna Signature Administrators® (ASA)
• National PPO network with over one million physicians and 6,400 hospitals, and NCQA-accredited
Private Healthcare Systems (PHCS)
• One of the largest PPO networks with over one million providers and 4,600 hospitals. nationwide access, NCQA and URAC-accredited
Benefits Highlights
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.
• No-cost outpatient lab testing, covering all approved services, no deductibles, copays, or coinsurance
• Significant discounts on outpatient lab testing for HDHP members
Teladoc® 24/7 access to U.S. board-certified physicians for non-emergency medical and mental health issues via phone or video
Aetna International: Medical and prescription coverage while travelling outside the U.S., included in all plans