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#1

Posted 27 March 2013 - 10:15 AM

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Hi, this few days having back pain directly behind the inverted V or my rib cage, would like to ask if I go for a CT scan, or what ever scan, can I claim from medishield or medisave?

#2

Posted 27 March 2013 - 10:21 AM

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Hi, this few days having back pain directly behind the inverted V or my rib cage, would like to ask if I go for a CT scan, or what ever scan, can I claim from medishield or medisave?




...go to poly and get a referal letter first...that will be cheaper..btw hospital dont take walk in unless
A&E..or have appoint.

#3

Posted 27 March 2013 - 10:24 AM

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Hi, this few days having back pain directly behind the inverted V or my rib cage, would like to ask if I go for a CT scan, or what ever scan, can I claim from medishield or medisave?



think you can only claim if you are hospitalised, if you have a higher plan, work with the private hospital lor rolleyes.gif rolleyes.gif
骑白马的不一定是王 ,可能是唐僧;带翅膀的也不一定是天使,有时候是鸟人。

#4

Posted 27 March 2013 - 02:43 PM

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Those pte clinic can get referral letter? Polyclinic que will DIE....

#5

Posted 27 March 2013 - 02:44 PM

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Those pte clinic can get referral letter? Polyclinic que will DIE....



die can claim also laugh.gif laugh.gif
骑白马的不一定是王 ,可能是唐僧;带翅膀的也不一定是天使,有时候是鸟人。

#6

Posted 27 March 2013 - 02:52 PM

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Those pte clinic can get referral letter? Polyclinic que will DIE....

yes, private clinic can get referral letter to see specialist or do further test...I have done that but too sure about polyclinic bec have not visited polyclinic before due to the infamous Q


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#7

Posted 27 March 2013 - 02:52 PM

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Those pte clinic can get referral letter? Polyclinic que will DIE....


take 1/2 day leave, bring your tablet and spare battery, then go there and queue..
also if scare no chair, you can also bring your (reservist) foldable safari chair there.. very satki laugh.gif
and one thing.. their number don't follow sequence.. so if u go eat breakfast, you number may get bypassed.

want to get chenghu benefits, do the chenghu way.. laugh.gif


#8

Posted 27 March 2013 - 05:48 PM

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yes, private clinic can get referral letter to see specialist or do further test...I have done that but too sure about polyclinic bec have not visited polyclinic before due to the infamous Q

I was told once by the doctor at the clinic near my house that if you're referred by private clinic, you'll be treated as a private patient and will pay more. If referred by polyclinic, then will be subsidized...... dry.gif
命里有时终需有,命里无时莫强求

#9

Posted 27 March 2013 - 05:49 PM

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take 1/2 day leave, bring your tablet and spare battery, then go there and queue..
also if scare no chair, you can also bring your (reservist) foldable safari chair there.. very satki laugh.gif
and one thing.. their number don't follow sequence.. so if u go eat breakfast, you number may get bypassed.

want to get chenghu benefits, do the chenghu way.. laugh.gif

yup, this one we got no choice but to follow their way....... laugh.gif
命里有时终需有,命里无时莫强求

#10

Posted 27 March 2013 - 05:56 PM

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I was told once by the doctor at the clinic near my house that if you're referred by private clinic, you'll be treated as a private patient and will pay more. If referred by polyclinic, then will be subsidized...... dry.gif


This is correct. And it's one heck of an area that could be improved, by allowing private clinics to refer to specialist, and the patient still pays subsidized rates as long as the patient is citizen or PR.
Normal is getting dressed in clothes that you buy for work and driving through traffic in a car that you are still paying for in order to get to the job you need to pay for the clothes and the car, and the house you leave vacant all day so you can afford to live in it.

#11

Posted 27 March 2013 - 05:58 PM

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Claim wise like what Jman says unless u are hospitalize then able to claim unless u got other plans. Best go polyclinic, although the appointment will be quite some time down the road. I went to polyclinic to get referral for my knee in early march and my appointment for specialist is in May, around 2 months time. So if you can tahan the pain, go polyclinic, else go private, it will be faster and more ex.
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#12

Posted 27 March 2013 - 10:47 PM

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die can claim also laugh.gif laugh.gif


Die better, can claim a lot laugh.gif

#13

Posted 27 March 2013 - 10:49 PM

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I was told once by the doctor at the clinic near my house that if you're referred by private clinic, you'll be treated as a private patient and will pay more. If referred by polyclinic, then will be subsidized...... dry.gif


WTF man, so expensive to survive in sg, I read from sammyboy, they mention it cost over 1k to scan....

#14

Posted 27 March 2013 - 11:29 PM

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WTF man, so expensive to survive in sg, I read from sammyboy, they mention it cost over 1k to scan....




Yes...MRI

#15

Posted 22 March 2017 - 08:41 PM

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https://www.allsinga...p-sick-sporeans

 

MEDISAVE MORE BURDEN THAN HELP FOR SICK S'POREANS

 

Dear CPF Board,

I’m writing to question and hopefully clarify the purpose of the Medisave scheme. Both me and my wife are self -employed and are required by law to contribute almost $5,000 each to our Medisave accounts annually in cash. Just how does Medisave help us? We found out the hard way that the Medisave scheme is causing us more financial burden instead of helping us.
 

I suffer from hypertension and needs to pay around $720 annually for my medication alone. I also need to go for blood tests and doctor’s consultations in order to get this medication with additional costs and nothing is claimable beyond the prescribed $400 annual withdrawal limit. Who and why dictate that I can only withdraw $400 annually from my Medisave account for treatments of such chronic illnesses? After all, I did not ask for or enjoy having hypertension. I’m not requesting Medisave funds to make my face prettier. I would rather pay the $720 medication fees for treating my hypertension in cash instead of having to contribute almost $5,000 to Medisave and only be allowed to utilise $400 each year.

 

Recently, my daughter was required to undergo for 2 surgeries. The total costs of the surgeries, hospitalization, medication and therapies etc. cost us around $60,000. Also recently, my wife was required to undergo an MRI scan. The scan itself cost around $1,400 and she was only allowed to utilise around $200 from Medisave. We were lucky to be able to claim the full amount from private insurance instead. It was during these occasions that we discovered that Medisave was almost absolutely of no help to us.

 

We are lucky to have bought private insurance that paid for almost all the costs. Since private insurance can cover such unexpected medical, surgical and hospitalization expenses in full, and one can only withdraw very controlled and limited amounts of funds from Medisave for such purposes, why not allow citizens to choose between getting insured privately instead? After all, the premiums for private insurance that reimburses hospitalization and medical costs in full is only a few hundred dollars per person per annum. If you compare this with the almost $5,000 per person annual contribution requirement, it just doesn’t make any sense.

 

When my father was dying of cancer in 2008, his doctor suggested him having a PET scan which, if I remembered correctly, cost around $2,500. We were told that this have to be paid in cash and not the dying man’s Medisave or ours. Why even deny a dying man’s need to utilise Medisave monies from his own account really trouble me until today. All in, if the government is afraid that they have to foot unpaid bills by any citizen because they have insufficient Medisave, me and my family members are more than willing to sign any form that relinquish them of such responsibilities.

 

We will take care of ourselves.

 

Bryan
A.S.S. Contributor

- More at AllSingaporeStuff.com https://www.allsinga...p-sick-sporeans
FB: http://fb.com/allsgstuff

 


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#16

Posted 04 May 2017 - 12:10 AM

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https://sg.news.yaho...-235608437.html

 

After the introduction of so many policies to help citizens or PRs to cope with medical bills, exactly what happen?

 

Why the need for crowdfunding?

 

I am very worried for the trend of things happening within these few years.

 

 

 

Any thoughts, information or solutions?

 

:TT_TT:


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#17

Posted 04 May 2017 - 12:47 AM

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medisave is another means to hold your cpf money.

in Sg, it's better to die than get sick.

you can't use your cpf money anyway.


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#18

Posted 04 May 2017 - 09:05 AM

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Need to treat it as tax rather than savings. This way, you won't be caught by surprise. If you are lucky to be able to withdraw some to enjoy your fruits of labour, just treat it as tax refunds. [laugh]

 

No matter how you kpkb, the schemes are here to stay for a long time.



#19

Posted 04 May 2017 - 02:47 PM

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Ultimately it's a matter if you are willing to go for public and subsidised healthcare or private.

 

Be aware that even in public hospitals, if you are in B1 and above, or referred by private doctor, you are classified under private with no subsidies.

 

And oft, one need to see beyond the initial hospitalization/surgery and also on-going followups that extend beyond 6 months of what most policies cover.

 

These can easily chalk up a hefty amount.


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#20

Posted 07 March 2018 - 10:21 AM

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Insurers want all patients to pay part of hospital bills

 

http://www.straitsti...-hospital-bills

 

 

The days of getting insurers to pay your entire medical bill may be drawing to a close.

The six companies selling MediShield Life-linked health insurance have appealed to the Ministry of Health (MOH) to make it compulsory for existing as well as new policyholders to pay part of their hospital bills, even if they buy riders that now cover the entire amount.

This dovetails with a suggestion from the Health Insurance Task Force (HITF) that patients pay part of their bills to keep claims from ballooning. The HITF had cautioned, however, that existing policyholders should not be disadvantaged.

Insurance companies said patients who do not have to bear any part of the cost not only make more claims, but their claims are also 20 to 25 per cent higher than those of people who pay part of their bills.

The large claims end up pushing up premiums for everyone.

Some 1.3 million people out of the 2.7 million covered by private Integrated Shield Plans (IPs) have riders that guarantee they pay very little or nothing towards their hospital bills. IPs incorporate MediShield Life - which covers subsidised treatment - but offer coverage for higher classes of care.

The insurers have asked that MOH require patients with full riders to pay a small part of their bills.

The Straits Times understands the figure is likely to be 5 per cent to 8 per cent, with a safety net written in to protect patients against really large bills. This safety net is a specified maximum amount patients need to pay in any given year.

Asked if the ministry would intervene, its spokesman said MOH supports the HITF's recommendations. The task force was set up to address the spiralling cost of medical insurance.

In 2016, to slow escalating insurance premiums, the task force recommended that all patients pay part of their bills to encourage prudent spending. It said people who do not pay a cent of their medical bills "may lack the incentive to manage their health and medical costs, translating to higher insurance claims".

It noted cases where private hospitals and doctors "overcharged patients by inflating certain components of the bill, unbundling certain routine laboratory tests for higher total billing or charging excessive amounts for consumables".

Patients who have to pay would likely question such charges. The task force suggested doing away with blanket coverage, with the caveat that any move not "disadvantage" existing policyholders.

The spokesman said: "MOH has been working with insurers on implementation of the task force recommendations. We will share more details in due course."

In 2008, NTUC Income tried offering only riders with partial coverage - but reinstated full-cover riders in 2015 after losing market share to its competitors.

Several insurers The Straits Times spoke to said no insurer is willing to suffer the same fate as Income. But they also cannot agree to stop selling riders for fear of falling foul of the Competition Act. Faced with underwriting losses, they turned to the MOH for help.

The problem has only deepened as riders become increasingly popular. In 2011, only 19 per cent of people here had riders. By 2015, 32 per cent did - with more than three in four having the most expensive, private hospital insurance plans.

Mr Oo Wooi Cheng, a finance executive who has an IP but no rider, and has seen his premium going up, hopes the ministry will step in.

He said: "I think a move by MOH would make sense and will help instil better responsibility in consumers of healthcare services. Otherwise, it could be subject to abuse."

Questionable claims from patients

The Health Insurance Task Force noted that patients who did not have to pay for their medical treatment often racked up large bills at private hospitals.

In fact, insurers have been bombarded with questionable claims from patients with riders who were treated in private hospitals, The Straits Times has learnt. Here is a sampling:

• A 37-year-old woman stayed seven days in hospital for abdominal hernia repair. Of the $46,000 bill, the surgeon's share was $31,900, or five times the norm. It transpired that while in hospital, she also had her breast augmented, and a tummy tuck with the fat transferred to her buttocks, but since these are not covered by insurance, none of this was stated in the bill.

• Another patient who needed cataract surgery opted to be admitted to hospital, instead of having it done as a day procedure, which would have taken no more than an hour or so. His one-day stay each time for each eye amounted to a total bill of $21,000. The median private hospital bill for cataract surgery of one eye is $5,000.

• A patient with fungal growth in her nail stubbed her toe, causing the nail to fall out. She was admitted for two days and was billed $6,000.

• A patient complaining of stomach and chest pains was admitted to hospital, and underwent gastroscopy and colonoscopy procedures to check his stomach and intestines. He was also referred to a heart doctor, a dermatologist for skin rash and an ophthalmologist for blurred vision. The total bill for his one-day stay was $14,000.

• A patient was admitted for 16 hours for inflammation of the gall bladder. The tests showed no inflammation and no treatment was needed. However, the patient was given a series of unrelated screening tests, including an electrocardiogram, a magnetic resonance imaging scan and a computerised tomography scan. Screening is not covered by insurance. The bill came to $11,000.

• A woman was warded for 42 days for cervical sprain and strain (or pain in the neck) but received treatment only on seven days. She was given physiotherapy and painkillers for the other 35 days, something that could have been done as outpatient treatment. The bill was $84,000.

• A 40-year-old man was warded for four days for pain and swelling in his big toe, chalking up a bill of close to $6,000. The bill was rejected after the insurer checked with the doctor, who said the patient was admitted at his own request and that the treatment would otherwise normally be done in the clinic.

 

Whoa, some ppl really abuse the medishield. Some of the doctors and hospitals are also guilty.


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Too much to think about...


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