Yes. All of our physicians are U.S.-trained, bringing the American standard of care to Japan. We combine this with bilingual staff to make sure care is clear and accessible. Documents, receipts, invoices and all communication is in English.

Yes. We work closely with Japanese specialists, U.S. base facilities, and U.S.-based providers as needed. This helps ensure your care is seamless and easy to navigate wherever you are.

Absolutely. At Torii Health, our model is rooted in American family medicine — coordinated, comprehensive, and evidence-based. All of our providers are U.S.-trained, and we practice using the same clinical guidelines and protocols you’d expect back home in the States.

What this means for you:

• Comprehensive Services: We care for the whole family — pediatrics, adult medicine, women’s health, psychiatry, procedures, and lifestyle medicine — under one roof.

• Evidence-Based Medicine: Our diagnosis and treatment decisions follow U.S. guidelines, ensuring up-to-date, scientifically supported care.

• Continuity & Coordination: We track your labs, medications, and preventive screenings, and coordinate seamlessly with Japanese specialists, U.S. military base providers, and U.S.-based doctors when needed.

• Patient-Centered Communication: You get full access to your medical records and billing in English through our secure portal, plus ongoing communication with your care team between visits.

In short, we’ve brought the American standard of care to Japan — making your healthcare feel familiar, consistent, and reliable, no matter where you or your family are coming from.

Yes. We prescribe GLP-1 medications when clinically appropriate and support you holistically in your weight loss journey. These medications may require prior authorization with your insurance. We stock GLP-1s available in Japan (injection and pills) on-site. If your insurance doesn’t cover them, we’ll work with you to find the most cost-effective option.

Yes, we have injectable testosterone available in Japan. If you have another source of your testosterone prescriptions, we also provide lab monitoring and clinical follow-up for patients on testosterone therapy and coordinate care with U.S.-based prescribers when needed. Our goal is to ensure safe, continuous management of your treatment while you’re overseas.

Yes. We diagnose and manage ADHD in both children and adults. Treatment plans may include behavioral strategies as well as medications (such as stimulants or non-stimulants like atomoxetine). Please note that stimulant medications are strictly regulated in Japan and cannot be prescribed locally. However, we can prescribe non-stimulant options in Japan and, when possible, coordinate stimulant prescriptions through U.S. military providers.

We cover nearly the full spectrum of care:

• Primary Care for adults and children(check-ups, screenings, chronic conditions, vaccinations)

• Psychiatry & Behavioral Health (depression, anxiety, ADHD, PTSD, addiction, chronic pain)

• Reproductive Health(family planning, menopause, erectile dysfunction)

• Minor Procedures(joint injections, cryotherapy, shave biopsy)

• Specialty Care (gender-affirming care, PrEP/PEP, dermatology)

• On-site medicationsand electronic prescriptions to U.S. military pharmacies or Express Scripts

We provide a full range of preventive and early-detection screenings, following U.S. guidelines for health maintenance. These include:

• Colonoscopy – with sedation, for colorectal cancer prevention

• EGD (upper endoscopy) – with sedation, for evaluation of reflux, ulcers, and GI cancer risk

• Mammogram – for breast cancer screening

• Low-dose CT scan of the lungs– for patients at risk of lung cancer

• Home sleep studies– convenient testing for sleep apnea and snoring concerns

• Pulmonary function testing(PFTs) – to assess asthma, COPD, and lung health

• Diagnostic imaging– including X-rays, CT scans, MRI, and ultrasound when clinically indicated

All screenings are coordinated through our team — we arrange the testing, explain the results, and help plan any necessary follow-up care.

A quick guide to understanding what you'll pay — and why.

The 30-Second Version

Your insurance does not pay 100% of every visit from day one. Almost every US plan works in three stages each year:

1. You pay first (the deductible) — a set dollar amount you cover before insurance starts paying.

2. You split costs (the coinsurance) — after the deductible, you and your plan share each bill (e.g., the plan pays 90%, you pay 10%).

3. You stop paying (the out-of-pocket max) — once your costs hit a yearly ceiling, insurance covers 100% for the rest of the year.

Most plans also fully cover one preventive/annual visit — so the stages above usually apply to everything beyond that yearly check-up.

The Words That Actually Matter

• Deductible — What you pay out of pocket before your plan pays anything. Resets every calendar year.

• Coinsurance — Your share of the bill after the deductible, written as a split. "90/10" means the plan pays 90%, you pay 10%.

• Copay — A flat fee for a visit (e.g., $30), used by some plans instead of coinsurance.

• Out-of-pocket maximum (TRICARE calls it the catastrophic cap) — The most you'll pay in a year. After that, covered care is free for the rest of the year.

• Allowed amount (a.k.a. UCR — usual, customary & reasonable) — The price your insurer agrees is fair for a service. Your coinsurance is calculated on this number, not the sticker price.

• Covered vs. not covered — Plans pay only for services they include. A non-covered service is 100% your responsibility, even after your deductible is met.

• Preventive / annual visit — A yearly wellness check (often with routine labs) that most plans cover at 100%, separate from the cost stages above.

A Worked Example: AFSPA / FSBP

This is one of the simplest plans we see, so it's a good teaching case:

• $300 deductible per year — you cover the first $300 of care.

• One annual visit (including labs and testing) covered in full.

• 90/10 split after that — once you've met the deductible, the plan pays 90% and you pay 10% of the allowed amount.

So if you've already used your annual visit and met your deductible, a $400 (allowed-amount) service costs you about $40.

Your plan may differ. Always confirm your specific deductible and coinsurance with your insurer.

How Our Four Plans Differ

Same machinery, different dials:

• AFSPA / FSBP — Low deductible, one fully covered annual visit, then a 90/10 split. The straightforward example above.

• BCBS Federal (FEP) — Deductible and coinsurance vary by which option you carry (e.g., Standard vs. Basic vs. FEP Blue Focus). Preventive care is covered, and overseas care is processed as an out-of-network/international claim. Check your specific option's brochure.

• Cigna — Structure depends entirely on your employer's plan design — deductible, coinsurance, and copays are all set by the group plan. Two Cigna members can have very different costs.

• TRICARE Select — After your annual deductible, you pay a fixed cost-share of the TRICARE-allowable amount: 20% for active-duty family members and 25% for retirees and others when seen overseas. Once you reach your catastrophic cap, covered care is free for the rest of the year.

What "Direct Billing" Means for You

Torii Health bills these plans directly, so in most cases:

• You don't pay the full charge upfront and chase reimbursement later.

• You're responsible only for your share — your deductible and your coinsurance/copay.

• We submit the claim; your insurer applies your benefits and tells us (and you) what's owed.

Before Your Visit — Quick Checklist

• Know your plan name and option (e.g., "BCBS FEP Standard," not just "Blue Cross").

• Know whether you've met your deductible this year.

• Have your member ID ready.

• Ask us if you're unsure what a service will cost — we'll estimate based on your plan.

This guide explains general concepts. Your exact costs depend on your specific plan, and benefit details can change each year. When in doubt, check your plan documents or ask our team.

Our goal is to make high quality, safe and comprehensive health care accessible to you in Japan at an American standard of care. In order to do so, we actively work with US insurance companies, either through direct billing relationships to reduce out-of-pocket expense, prior authorizations or direct communication to justify coverage for treatment.

FSBP (AFSPA/Aetna) for GS employees have been the easiest to directly bill. They come highly recommended. We also work with the DOD Civilian Health Program.

For all other U.S. or international insurance plans with whom we do NOT have direct billing relationships with, you can submit your receipt for reimbursement.

All receipts are provided in English and in USD.

• Extended Visits, 50-minutes (first-time visits, in-depth reviews, behavioral health, procedures): Around $250 for the professional fee, not inclusive of labs, imaging, medications and additional testing are not included.

• Focused visits, 20-minutes (follow-ups, medication refills, school physicals): Around $150 for the professional fee, not inclusive of labs, imaging, medications and additional testing are not included.

• Telehealth and in-person visits are treated the same charge

• Pediatric visits (first-time, follow-up, school physicals) are $150

• Appointment length may be adjusted at the physician’s discretion.

Our prices are higher than most local Japanese clinics, in-line with international clinics and lower than your average American clinic. We provide an American standard of care in Japan, which means longer visits, bilingual staff, translation services, US insurance support, online messaging, up to 3-month refills (as permitted by Japanese medical law) and care coordination with the US military bases or Japanese facilities.

Typical out-of-pocket expenses will vary by insurer.

FSBP usually pays about 80% and the co-insurance/”co-pay” is 20%. Some typical out-of-pocket estimates as follows:

1. Visit Fee $18-25

2. Full labs: $25

3. Medications vary but are covered at 80%. The most expensive medications may cost about $100 per month, while most generally are $20-30 per month.

4. Sports physical: $15

No. Labs and medications are billed separately.

Labs: Done in-clinic.

Medications: Dispensed directly from the clinic whenever possible.

If a medication isn’t available in Japan, we’ll help you find an alternative source.

We can also mail medications at no additional cost for patients outside the Zama/Atsugi area.

Absolutely. Our goal is to make sure you can access care when you need it.

If you have any concerns about payment or reimbursement, please reach out — we’ll do our best to accommodate your situation.