MDN New Client - Nippon Life Benefits

New Client: Nippon Life Benefits – (Out of network, through NovaNet), effective 8/1/15

For more than 20 years, Nippon Life Benefits has offered competitively priced, comprehensive employee benefits programs tailored to meet the specific needs of each client. Our broad portfolio includes medical, life, disability, dental, vision, prescription drug, and wellness programs. As all our active business has been transitioned to CoreSource who is managing billing, administration, and claims for Nippon Life Benefits. All members have received updated ID cards. Please be sure you request copies of your patients’ new ID Cards and update your records with the new address on the back of the card. We believe our customers should have access to the best dental care at the best pricing possible. That's why we offer the flexibility to design programs to fit a specific need. Our dental plans cover preventive, basic, major, and orthodontia (if elected). Cost sharing and benefit limits provide an incentive to use the plan wisely. Our high-quality plans are convenient and affordable, and can include full reimbursement for preventive care with no deductibles. We offer a variety of packaged options, as well as the flexibility to design customized solutions for larger employers.* Employers can choose a voluntary or contributory plan.

Premium Plus
  • Annual Maximum up to $2,500 depending upon employer size
  • Orthodontia for adults and children is optional
  • Out-of-network reimbursement at 80th or 90th percentile
  • Deductible does not apply to Preventive
  • Preventive includes sealants and space maintainers
  • Basic benefits include simple periodontia

  • Premium
  • Annual Maximum of $1,000
  • Orthodontia for child is optional
  • Out-of-network reimbursement at 80th or 90th percentile
  • Deductible does not apply to Preventive
  • Preventive includes sealants and space maintainers
  • Basic benefits include simple periodontia

  • Advantage
  • Annual Maximum of $750
  • Deductible applies to Preventive, Basic and Major
  • No Orthodontia
  • Out-of-Network reimbursement at 60th percentile
  • Basic benefits include space maintainers and sealants

  • Basic
  • Annual Maximum of $500
  • Deductible does not apply to Preventive
  • No Major benefits or Orthodontia
  • Out-of-network reimbursement at 80th percentile
  • Basic benefits include simple periodontia
  • Space maintainers and sealants are not covered

  • *Groups with 50 lives or more may customize plans Plan designs may vary by state. Please click here to view more information about Dental Plans.


    Rollover Benefit**

    In addition, our dental plan offers a valuable feature that allows employees to carryover part of their unused annual maximum. By rolling over unused dollars, employees can increase their maximum benefit and lessen future out-of-pocket expenses. How does the Rollover Benefit work? As long as the total benefits paid for an employee do not exceed the Threshold Amount (1/2 of calendar year maximum) in any year, he or she qualifies to "rollover" benefits up to a maximum limit. Rollover over options include 25%, 30% and 35%. The additional benefit that can be accumulated under the Rollover Benefit is the lesser of the annual maximum or $2,500. Under most programs, employees would be able to double their dental maximum over time. The Rollover Benefit applies to Preventive, Basic, and Major calendar year maximum.