Plan one-, three-, and five-year South Korean heart-failure medicine, monitoring, home-equipment, travel, and confirmed-reimbursement costs from actual receipts and quotes.
2026 actual receipts and quotes
Separate prescribed medicine, visits, blood tests, echocardiograms, home devices, and provider-confirmed home-care charges. Medicine and coverage are never selected automatically.
Highlighted planning horizon
Step 1
Enter only medicine actually prescribed for this patient. The groups organize receipts and never recommend a regimen.
Enter only a prescribed ACE inhibitor, ARB, or ARNI pharmacy amount.
Use the final pharmacy receipt; this tool does not decide reimbursement.
Step 2
Use the clinician-set frequency and final patient-paid receipt. Do not duplicate a test already included in a visit bill.
Add ECG, chest X-ray, or other amounts only when not already included.
Step 3
Use product quotes and your own replacement plan. Zero years means no replacement within this five-year projection.
Enter only a charge confirmed by the provider or program.
Zero means no replacement is budgeted within five years.
Use confirmed initial-purchase support only; it is not repeated at replacement.
Step 4
Keep travel and lost income outside the medical receipt. Confirm reimbursements with the payer before deducting them.
Count one day when a visit and tests occur on the same day.
Use only an amount confirmed by NHIS, an insurer, or another payer.
Used for present value only; it is not a medical-cost inflation forecast.
Long-term planning result
Nominal household total
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Present value
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Nominal monthly average
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Annual recurring household cost
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| Horizon | Nominal total | Present value | Monthly average | Net equipment cost | Replacement increment | Annual reimbursements applied |
|---|---|---|---|---|---|---|
| 1 year | ₩0 | ₩0 | ₩0 | ₩0 | ₩0 | ₩0 |
| 3 years | ₩0 | ₩0 | ₩0 | ₩0 | ₩0 | ₩0 |
| 5 years | ₩0 | ₩0 | ₩0 | ₩0 | ₩0 | ₩0 |
| Cost category | Amount before deductions |
|---|---|
| Prescribed medicine | ₩0 |
| Outpatient care and tests | ₩0 |
| Remote or home-care program | ₩0 |
| Home consumables | ₩0 |
| Travel | ₩0 |
| Visit-day lost income | ₩0 |
| Home equipment | ₩0 |
| Confirmed reimbursement total | −₩0 |
| Initial equipment support | −₩0 |
No equipment replacement is entered within five years.
Stop calculating if severe or rapidly worsening breathlessness, chest pain, fainting or reduced consciousness, or blue lips occur. If the situation feels urgent, contact Korean emergency services at 119 or seek immediate medical care.
Heart failure can create recurring costs for prescribed medicine, outpatient visits, blood tests, echocardiograms, and monitoring at home.
This planner organizes actual pharmacy receipts, provider bills, and quotes for a blood-pressure monitor or scale into one-, three-, and five-year household projections.
It is separate from the heart-stent calculator, which covers acute PCI or CABG episodes.
Heart-valve surgery, CRT or ICD implantation, transplantation, and predicted admissions are outside this calculator, so do not count the same charge on both pages.
This calculator uses KRW and South Korean National Health Insurance context verified in 2026.
It does not apply one universal copay, determine medicine reimbursement, or make an insurer or NHIS decision.
Enter the final amount actually paid by the patient and deduct only payments confirmed by the payer.
The Korea Disease Control and Prevention Agency, or KDCA, updated its public heart-failure page on April 23, 2026.
It describes blood tests, ECG, chest X-ray, and echocardiography in heart-failure assessment.
It also describes four standard medicine groups: renin-angiotensin system blockers, beta blockers, mineralocorticoid receptor antagonists, and SGLT2 inhibitors.
KDCA explains that diuretics help remove salt and water, while urine output, body weight, electrolytes, and kidney function may need clinical monitoring.
Its self-care section advises daily body-weight checks because sudden weight gain can reflect fluid and salt retention, and it emphasizes blood-pressure control.
Those statements explain why this budget has scale and blood-pressure monitor fields; they do not let the calculator interpret readings or change a dose.
Public HIRA pages for dapagliflozin, empagliflozin, and sacubitril/valsartan show that coverage can depend on factors such as NYHA class, left-ventricular ejection fraction, objective evidence, and concurrent standard treatment.
Use the final pharmacy receipt instead of applying a guessed percentage to a list price.
The current Korean special-case notice No. 2026-101, effective May 1, 2026, did not contain the text heart failure or I50 in the verified full XML.
A separate procedure, transplant, or registered condition may have its own rules, but the amount must be confirmed before it is entered.
It does not diagnose heart failure, classify ejection fraction or NYHA status, choose or combine medicines, recommend test frequency, interpret weight or blood-pressure readings, predict admission, or decide insurance payment.
It converts a clinician-confirmed plan and actual patient-paid amounts into a household budget only.
The medicine groups mirror the public KDCA explanation so that a pharmacy receipt is easier to organize.
They do not mean that every patient should receive every group, because contraindications, blood pressure, kidney function, electrolytes, ejection fraction, and comorbidities can change the prescription.
| Field | Examples in the group | Entry rule |
|---|---|---|
| Renin-angiotensin system | ACE inhibitor, ARB, or ARNI | Monthly patient-paid amount for the current prescription |
| Beta blocker | Clinician-prescribed beta blocker | Final pharmacy amount paid by the patient |
| MRA | Mineralocorticoid receptor antagonist | Enter only when it is prescribed |
| SGLT2 inhibitor | Prescribed dapagliflozin or empagliflozin, for example | Use the receipt; do not infer reimbursement |
| Diuretic and other | Diuretic and other heart-failure medicine | Monthly total not counted in another row |
A stable 30-day prescription can use the latest representative monthly receipt.
For 90-day fills or irregular dispensing, add the actual patient-paid medicine amounts for the last 12 months and divide by 12.
If a pharmacy receipt also contains medicine for another condition, use one consistent allocation rule so the same charge is not counted in two chronic care budgets.
If consultation and laboratory charges appear in one combined patient-paid receipt, place the amount in one field only.
Use the clinician-set schedule or the actual last-12-month record because the calculator never prescribes a frequency.
Enter the planned echocardiogram count and actual patient cost per test.
ECG, chest X-ray, and other charges belong in the annual other-medical field only when another receipt field does not already include them.
Use the selected product quote and a replacement interval based on the warranty, device condition, and household plan.
A two-year interval creates replacements at the start of years three and five, while a three-year interval creates one at the start of year four.
Zero means no replacement is budgeted within five years; it does not promise indefinite device life.
Enter a remote or home-care program charge only when a Korean provider or program has confirmed the patient-paid amount.
Put batteries or record supplies in monthly consumables, and multiply travel and lost income by actual facility days.
A visit and tests completed on the same day count as one travel day.
Annual medicine = sum of monthly medicine fields × 12.
Annual follow-up = visits × cost + blood tests × cost + echocardiograms × cost + other annual medical cost.
Gross direct medical = annual medicine + annual follow-up + monthly remote care × 12.
Net direct medical = gross direct medical − confirmed annual reimbursement, capped at gross direct medical.
Annual recurring household cost = net direct medical + consumables + travel + lost income.
Annual reimbursement never spills into equipment, travel, or lost income.
Confirmed initial equipment support is capped at the initial equipment purchase and is not repeated automatically when a device is replaced.
Nominal total adds the current input prices while holding them constant over the selected horizon.
Present value treats initial equipment as time zero, recurring cost as year-end, and replacement equipment as the start of its replacement year, then discounts those future amounts at the entered annual rate.
The discount rate is not a medical-cost inflation rate, and the calculator does not forecast Korean drug prices, fees, or consumer prices.
These amounts test the formula and are not Korean national averages or a recommended regimen.
Use the Load hypothetical example button above to reproduce them.
KRW 90,000
Sum of five medicine fields.
KRW 460,000
Visits, blood tests, echo, and other care.
KRW 240,000
KRW 20,000 × 12.
KRW 1,780,000
Medicine, follow-up, and remote care.
KRW 180,000
Applied only to direct medical cost.
KRW 2,110,000
Includes supplies, travel, and lost income.
| Horizon | Nominal total | Present value at 3% | Nominal monthly average | Replacement increment |
|---|---|---|---|---|
| 1 year | KRW 2,310,000 | KRW 2,248,544 | KRW 192,500 | KRW 0 |
| 3 years | KRW 6,650,000 | KRW 6,281,481 | KRW 184,722 | KRW 120,000 |
| 5 years | KRW 11,070,000 | KRW 10,156,123 | KRW 184,500 | KRW 320,000 |
Initial equipment is KRW 250,000, and confirmed support reduces the initial net amount to KRW 200,000.
Other equipment with a two-year interval is replaced for KRW 120,000 at the start of years three and five, and the blood-pressure monitor adds KRW 80,000 at the start of year four.
A scale with a five-year interval would first be replaced at the start of year six, so it does not appear in this five-year projection.
Save the earlier receipts and recalculate with the new stable monthly amount to see the household effect over three or five years.
A cost difference does not establish clinical value and must never be used to reduce or stop medicine without the prescriber.
Compare a zero replacement interval with the product warranty or household replacement plan to isolate the five-year replacement increment.
The result does not assess accuracy, failure risk, or the need to replace a medical device.
Keep reimbursement at zero until a payer confirms it, then save a second scenario with the confirmed amount.
Deducting an assumed indemnity payment or out-of-pocket ceiling refund too early can understate the cash the household must prepare.
No. Enter only groups on the current prescription and pharmacy receipts. Leave every medicine that is not prescribed at zero.
No. The chronic diagnosis alone does not create one universal rate for all medicines and visits. Confirm any separate procedure, transplant, registered condition, and directly related claim scope with the provider and NHIS.
Leave the field at zero. The calculator never assumes enrollment or reimbursement for a remote-care program.
No. The device is assumed to last three full years and is replaced at the start of year four, so it first appears in the five-year projection.
The tool does not recommend a rate. Zero keeps present value equal to nominal cost, while any other rate should be documented as the household planning assumption.
Use a confirmed NHIS amount instead. Non-covered, selective-benefit, full-self-pay, and other items may be excluded from the ceiling calculation.
Re-enter actual receipts whenever the prescription, drug price, reimbursement criteria, provider fee, or equipment quote changes.
The requirements document records the exact API identifiers, formulas, and deterministic test vector for future maintenance.
Gather pharmacy receipts, the confirmed follow-up plan, equipment quotes, and payer notices, then compare all three horizons on one consistent basis.
The result is a household planning estimate, and every treatment decision remains with the patient’s clinical team.