What if NYT is wrong. Hello is the lead single and is streaming on Apple Music. Also she just did a major interview on Beats1 and asked Apple to sell her record in Retail stores. Even with this NYT report claiming inside sources are being told it won't be on streaming services, I'd still be surprised if it doesn't make it on Apple Music. I'd be willing to bet it's on Apple Music but no other streaming services.
I don't think they are wrong, there's other sources, Gizmodo for instance. Further, the album really isn't available on Apple Music currently and it's release day is tomorrow (20th Nov), the single is available but just that. Normally when the album is going to be available it'll be there with the released tracks greyed out.
This is disappointing but there were always going to be some holdouts. The cost benefit of Apple Music still works out for me, as I'm currently enjoying at least 3 albums a month on the service. It would certainly be nice if everything was available to stream right away but I'm guessing this album will be on the service sometime next year, once album sales start to trail off.