For Those Exceeding IVF Insurance Limits: Keiai Reproductive Medicine Clinic in Saitama Launches 'ART Self-Pay Support Plan' Offering Surgical Fees at 30% Co-payment
Keiai Reproductive Medicine Clinic in Saitama has launched the 'ART Self-Pay Support Plan' for patients not covered by insurance for IVF. It aims to reduce the number of people who give up treatment for financial reasons by lowering surgical-related costs to a 30% co-payment, equivalent to insured treatment.
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- 📰 Published: May 15, 2026 at 00:00
- 🔍 Collected: May 14, 2026 at 15:32
- 🤖 AI Analyzed: May 15, 2026 at 04:56 (13h 23m after Collected)
Keiai Reproductive Medicine Clinic: Reception
**What Happens on "The Day Insurance Ends"**
The day after insured in-vitro fertilization (IVF) treatment ends, patients face a significant change in the amount they pay, despite receiving the same treatment. Egg retrieval and intracytoplasmic sperm injection (ICSI) alone cost more than three times the insured price, and embryo transfer costs about 3.4 times more.
The reality of "I want to continue, but I have no money" is statistically severe, and it is not uncommon for patients to suspend or abandon treatment when they become ineligible for insurance coverage.
In particular, those who have reached their limit on the number of attempts and those over 43 who are not covered by insurance due to age restrictions suffer significant psychological and economic damage. There has been a lack of concrete support measures for this group across the entire medical community.
**Challenges Seen by "Healthcare Professionals Who Have Experienced Fertility Treatment"**
The director and his wife at our clinic have personally experienced infertility and recurrent pregnancy loss.
Three miscarriages, high treatment costs, the extreme despair of a miscarriage at 17 weeks of pregnancy—through their journey to being blessed with twins on their fifth embryo transfer, they personally experienced the damage that financial anxiety inflicts on the motivation to continue treatment.
This ART Self-Pay Support Plan was designed as the best way to give back to patients within the current insurance system framework, inheriting the spirit of the success-based fee system we have used since opening.
**Service Details**
The ART Self-Pay Support Plan is a discount support system that offers patients undergoing IVF without insurance coverage "surgical fees" such as egg retrieval, embryo transfer, embryo culture, and embryo freezing at a rate equivalent to the 30% co-payment of insured treatment.
■ **Eligible Individuals**
- Those who have exceeded the number of IVF attempts covered by insurance.
- Those aged 43 to under 50 who are not covered by insurance due to age restrictions.
- All individuals considering self-funded IVF (both new and existing patients).
■ **Applicable Fees (Discounted to 30% equivalent)**
- Egg retrieval surgery fee, ICSI fee, embryo culture fee, embryo freezing fee, frozen embryo transfer surgery fee.
■ **Non-Applicable Fees (Normal self-pay = 100% co-payment)**
- Medication fees, injection fees, testing fees, advanced medical treatment fees (ERA, PGT-A, etc.).
■ **Number of Uses**
- For patients already undergoing treatment at our clinic: Up to 2 embryo transfers (no limit on egg retrievals).
- For new patients starting treatment at our clinic: Up to 1 embryo transfer (no limit on egg retrievals).
*After the plan ends, treatment will transition to normal self-pay rates.
■ **Notes**
- The High-Cost Medical Expense Benefit System does not apply.
- Applicability of private medical insurance should be confirmed with each insurance company.
**Service Fees**
- Surgical fees (egg retrieval, embryo transfer, embryo culture, embryo freezing): Equivalent to 30% co-payment of insured treatment.
- Medication fees, injection fees, testing fees: Self-pay (100%).
- Estimated cost for one standard treatment cycle (egg retrieval to embryo freezing): Approx. 200,000 yen (vs. approx. 386,000 yen for self-pay).
- Estimated cost for one embryo transfer: Approx. 87,000 yen (vs. approx. 188,000 yen for self-pay).
*Costs vary depending on the amount of injections, number of eggs retrieved, and use of hormonal agents.
*Costs for advanced medical treatments (ERA, PGT-A, etc.) do not change.
*The High-Cost Medical Expense Benefit System does not apply.
**Future Vision**
Our clinic was founded by a doctor and nurse couple who personally experienced infertility and recurrent pregnancy loss.
Our ultimate goal is to "eliminate cases where patients give up on the possibility of pregnancy for financial reasons."
This ART Self-Pay Support Plan is just the first step. In the future, we will consider and promote the following initiatives:
- **Strengthening early fertility support:** Centered on our "Egg Check-up," we will expand ovarian function evaluation and lifestyle improvement guidance for those in their 20s and 30s, promoting intervention before fertility treatment becomes necessary.
- **Continuing to explore economic support models:** Researching new fee structures that inherit the spirit of a success-based fee system.
- **Enhancing information dissemination:** Leveraging our experience and expertise as healthcare professionals who have been patients, we will continue to conduct medical information awareness activities so that patients can make decisions based on correct information.
Director: Hiroshi Hayashi
Tender Loving Care—as these words imply, our unchanging vow is to continue to stand by all our patients.
Click here for article details
https://www.tenderlovingcare.jp/fee/#head01
**What Happens on "The Day Insurance Ends"**
The day after insured in-vitro fertilization (IVF) treatment ends, patients face a significant change in the amount they pay, despite receiving the same treatment. Egg retrieval and intracytoplasmic sperm injection (ICSI) alone cost more than three times the insured price, and embryo transfer costs about 3.4 times more.
The reality of "I want to continue, but I have no money" is statistically severe, and it is not uncommon for patients to suspend or abandon treatment when they become ineligible for insurance coverage.
In particular, those who have reached their limit on the number of attempts and those over 43 who are not covered by insurance due to age restrictions suffer significant psychological and economic damage. There has been a lack of concrete support measures for this group across the entire medical community.
**Challenges Seen by "Healthcare Professionals Who Have Experienced Fertility Treatment"**
The director and his wife at our clinic have personally experienced infertility and recurrent pregnancy loss.
Three miscarriages, high treatment costs, the extreme despair of a miscarriage at 17 weeks of pregnancy—through their journey to being blessed with twins on their fifth embryo transfer, they personally experienced the damage that financial anxiety inflicts on the motivation to continue treatment.
This ART Self-Pay Support Plan was designed as the best way to give back to patients within the current insurance system framework, inheriting the spirit of the success-based fee system we have used since opening.
**Service Details**
The ART Self-Pay Support Plan is a discount support system that offers patients undergoing IVF without insurance coverage "surgical fees" such as egg retrieval, embryo transfer, embryo culture, and embryo freezing at a rate equivalent to the 30% co-payment of insured treatment.
■ **Eligible Individuals**
- Those who have exceeded the number of IVF attempts covered by insurance.
- Those aged 43 to under 50 who are not covered by insurance due to age restrictions.
- All individuals considering self-funded IVF (both new and existing patients).
■ **Applicable Fees (Discounted to 30% equivalent)**
- Egg retrieval surgery fee, ICSI fee, embryo culture fee, embryo freezing fee, frozen embryo transfer surgery fee.
■ **Non-Applicable Fees (Normal self-pay = 100% co-payment)**
- Medication fees, injection fees, testing fees, advanced medical treatment fees (ERA, PGT-A, etc.).
■ **Number of Uses**
- For patients already undergoing treatment at our clinic: Up to 2 embryo transfers (no limit on egg retrievals).
- For new patients starting treatment at our clinic: Up to 1 embryo transfer (no limit on egg retrievals).
*After the plan ends, treatment will transition to normal self-pay rates.
■ **Notes**
- The High-Cost Medical Expense Benefit System does not apply.
- Applicability of private medical insurance should be confirmed with each insurance company.
**Service Fees**
- Surgical fees (egg retrieval, embryo transfer, embryo culture, embryo freezing): Equivalent to 30% co-payment of insured treatment.
- Medication fees, injection fees, testing fees: Self-pay (100%).
- Estimated cost for one standard treatment cycle (egg retrieval to embryo freezing): Approx. 200,000 yen (vs. approx. 386,000 yen for self-pay).
- Estimated cost for one embryo transfer: Approx. 87,000 yen (vs. approx. 188,000 yen for self-pay).
*Costs vary depending on the amount of injections, number of eggs retrieved, and use of hormonal agents.
*Costs for advanced medical treatments (ERA, PGT-A, etc.) do not change.
*The High-Cost Medical Expense Benefit System does not apply.
**Future Vision**
Our clinic was founded by a doctor and nurse couple who personally experienced infertility and recurrent pregnancy loss.
Our ultimate goal is to "eliminate cases where patients give up on the possibility of pregnancy for financial reasons."
This ART Self-Pay Support Plan is just the first step. In the future, we will consider and promote the following initiatives:
- **Strengthening early fertility support:** Centered on our "Egg Check-up," we will expand ovarian function evaluation and lifestyle improvement guidance for those in their 20s and 30s, promoting intervention before fertility treatment becomes necessary.
- **Continuing to explore economic support models:** Researching new fee structures that inherit the spirit of a success-based fee system.
- **Enhancing information dissemination:** Leveraging our experience and expertise as healthcare professionals who have been patients, we will continue to conduct medical information awareness activities so that patients can make decisions based on correct information.
Director: Hiroshi Hayashi
Tender Loving Care—as these words imply, our unchanging vow is to continue to stand by all our patients.
Click here for article details
https://www.tenderlovingcare.jp/fee/#head01