{"id":1247,"date":"2024-10-08T19:46:42","date_gmt":"2024-10-08T10:46:42","guid":{"rendered":"https:\/\/www.oakclinic-group.com\/wp\/hoken_tekiyo-2\/"},"modified":"2026-04-01T08:39:00","modified_gmt":"2026-03-31T23:39:00","slug":"hoken_tekiyo","status":"publish","type":"page","link":"https:\/\/www.oakclinic-group.com\/en\/hoken_tekiyo\/","title":{"rendered":"Insurance Coverage Guide"},"content":{"rendered":"

Insurance application feature<\/h1>\r\n

What will change now with insurance application<\/h2>\r\n

Until now, all treatments were self-paid.<\/h3>\r\n

Before insurance coverage, each medical facility could set its own prices. This resulted in significant differences in cost between clinics, sometimes exceeding \u00a5200,000 for the same treatment.
\r\n\u2192 Now that fertility treatments are covered by insurance, each procedure has a standardized fee under the national insurance system. This has eliminated price differences between clinics.\r\n<\/p>\r\n\r\n

\"Fee<\/a><\/p>\r\n\r\n

\r\n

Estimated Costs for Egg-Related Treatments\uff08Excerpt from the PDF price list above\uff09<\/span><\/h4>\r\n
\r\n \r\n \r\n \r\n
\u4f8b1<\/span><\/td>\r\n Example 1: 7 Eggs Retrieved, IVF, 3 Blastocysts Frozen
Egg Retrieval: \u00a526,100 + IVF: \u00a59,600 + Fresh Sperm Fee: \u00a53,000 + Embryo Culture: \u00a532,700 + Embryo Freezing: \u00a521,000 = Total: \u00a592,400<\/td>\r\n <\/tr>\r\n <\/tbody>\r\n <\/table>\r\n \r\n \r\n \r\n
\u4f8b2<\/span><\/td>\r\n Example 2: 10 Eggs Retrieved, ICSI, 6 Blastocysts Frozen
Egg Retrieval: \u00a531,200 + ICSI: \u00a535,400 + Fresh Sperm Fee: \u00a53,000 + Embryo Culture: \u00a540,500 + Embryo Freezing: \u00a530,600 = Total: \u00a5140,700\r\n<\/td>\r\n <\/tr>\r\n <\/tbody>\r\n <\/table>\r\n \r\n \r\n \r\n
\u4f8b3<\/span><\/td>\r\n Example 3: 2 Eggs Retrieved, ICSI, 1 Early-Stage Embryo Frozen
Egg Retrieval: \u00a520,400 + ICSI: \u00a517,400 + Fresh Sperm Fee: \u00a53,000 + Embryo Culture: \u00a518,000 + Embryo Freezing: \u00a515,000 = Total: \u00a573,800<\/td>\r\n <\/tr>\r\n <\/tbody>\r\n <\/table>\r\n <\/div>\r\n <\/div>\r\n\r\n\r\n\r\n

Although the timing of billing varied between medical facilities, patients were typically charged the full 100% of the treatment cost.
\r\n →With insurance coverage now in place, patients are generally responsible for only 30% of the total treatment cost.\r\n<\/p>\r\n\r\n

\"As<\/p>\r\n\r\n

There is less flexibility in choosing treatments<\/h3>\r\n\r\n

Fertility treatments have been rapidly evolving, with new specialized techniques and culture media continually emerging.
Until now, medical facilities would carefully evaluate and select which technologies and culture media to use, often incorporating specialized techniques as optional additions to existing treatments.\r\n
\r\n →With the introduction of insurance coverage, approved techniques can now be performed under insurance. However, techniques that have not yet been approved must still be offered as self-paid treatments.\r\n<\/p>\r\n\r\n

\u3068\u3044\u3046\u5f62\u3067\u6cbb\u7642\u3092\u884c\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\r\n\u7ffb\u8a33\u6587\u7ae0\uff1aHowever, mixed billing combining self-paid and insurance-covered treatments is not permitted. Therefore, if treatment includes any techniques not covered by insurance, the entire process must be conducted as self-paid treatment.
\r\nSome advanced medical technologies and tests, while not covered by insurance, are recognized as advanced medical care. In such cases, treatment can be provided as a combination of insurance-covered care and advanced medical care.\r\n<\/p>\r\n\r\n

\"Less<\/p>\r\n\r\n

Abolition of subsidies<\/h3>\r\n\r\n

Until now, subsidies have been provided by the national government and local municipalities; however, following the introduction of insurance coverage for fertility treatments, these subsidies are scheduled to be phased out after a grace period.\r\n
\r\n →While the inclusion of artificial insemination\u2014previously not covered by subsidies\u2014under insurance coverage is a significant benefit, some patients will continue to undergo egg retrieval through self-paid treatment. Additionally, in certain cases, patients who had embryo transfers before insurance coverage began experienced lower out-of-pocket costs.\r\n<\/p>\r\n\r\n\u203bNote: Based on initiatives for \"medical expense subsidies\" by local governments (Ministry of Health, Labour and Welfare)\r\n<\/a>\r\n\r\n

(Figure 1) When Only National Subsidy Programs Are Used<\/p>\r\n

\"If<\/p>\r\n\r\n

(Figure 2) When Combined with Local Government Subsidy Programs<\/p>\r\n

\"When<\/p>\r\n\r\n

(Figure 3) Scope of Subsidy Coverage<\/p>\r\n

\"Grant<\/p>\r\n\r\n

Advantages and disadvantages<\/h2>\r\n

Advantages<\/h3>\r\n

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