Federal Employees Health Benefits (FEHB)
Aetna Open Access
This reference page explains how Aetna Open Access may work when receiving medical care in Japan, including direct billing, reimbursement, and preparation steps.
Direct billing
Direct billing is usually not guaranteed in Japan. Many clinics may ask you to pay first and submit a claim afterward.
Before seeking care
Confirm overseas benefits, preauthorization rules, and required claim documents with your FEHB plan before care.
What to prepare
- Insurance card or digital membership information
- Policy number, group number, or member ID
- Photo ID or passport
- Claim form, preauthorization, or guarantee-of-payment documents if required
- Receipts, diagnosis notes, and itemized statements for reimbursement
Okinawa International Clinic note
Okinawa International Clinic is a self-pay clinic. If your insurer requires reimbursement documentation, please ask us which documents you need before or during your visit.
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