Insurance & Billing
Insurance & Billing
U.S. insurance support, explained simply.
Torii Health’s care is provided by Iris Dental Medical, a private clinic in Japan that does not bill Japanese National Health Insurance.
We work with several U.S. insurance plans, including FSBP/AFSPA, BCBS, Cigna, and TRICARE. Direct billing depends on the specific plan and eligibility.
U.S. plans we work with
- FSBP/AFSPA
- BCBS
- Cigna
- TRICARE
Direct billing depends on your plan and eligibility. Our team can explain what applies before or after your visit.
How insurance billing works
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When direct billing is available
We submit the claim to your insurer. Your plan determines the deductible, copay or coinsurance, and any non-covered amount that remains your responsibility.
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When direct billing is not available
We provide an English-language invoice and receipt that you can use to seek reimbursement from your insurer.
What is billed separately
Laboratory tests, medications, imaging, procedures, medical devices, and third-party services may be billed separately from the professional visit fee.
How payment works
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Card on file at booking
Credit/debit card information is requested when you book and kept on file for any copay or balance after insurance.
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No payment at the visit
We do not collect payment at the time of your visit.
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English invoice in USD
An invoice in English and USD is sent to you, usually within about a week of the visit.
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Pay online, get a receipt
Pay securely online from the link in your Patient Portal or email. A receipt is sent electronically for your records or reimbursement.
Billing policies
Professional fees
Professional fees reflect the medical services provided during the visit and are based on visit duration, medical complexity, and the nature of services (for example, evaluation, management, or follow-up). In-person and telehealth visits are documented in the medical record in the same way.
Insurance claims
Coverage, reimbursement, and cost-sharing (copays, deductibles, and coinsurance) are determined by your insurance plan. Submitting a claim does not guarantee payment. Questions about coverage are best directed to your insurance carrier.
Outside testing and specialists
When we coordinate care with outside facilities or specialists (for example, imaging centers, endoscopy clinics, or hospitals), those services are performed and billed separately by those providers and follow your plan’s or self-pay policies.
Your financial responsibility
Patients are responsible for:
- Services not covered by insurance
- Amounts applied to deductibles or coinsurance
- Non-covered or denied charges
- Self-pay services
Corrections, adjustments, and refunds
If you believe there is an error on your invoice or insurance submission, please contact us promptly. Corrections or adjustments are made when appropriate, and refunds are processed to the original form of payment.
Financial concerns
If you have concerns about payment or reimbursement, please reach out. We will do our best to help, including troubleshooting with your insurance company.
Questions about your plan?
Contact our billing team at info@toriihealth.org. We can explain what applies to your plan before or after your visit.