Dental surgery is a big expense, and most people are interested in using some kind of medical savings account or insurance plan to help with the cost. If you’re anticipating a dental surgery, you may be wondering if you can use Medisave to lower the price tag. Discover some important rules governing the use of Medisave in Singapore.

Ensuring Clinic Accreditation

In order for your Singapore dentist to submit a Medisave or MediShield Life claim for you, two things have to be true. First, the dental clinic in Singapore must be accredited. The Medisave scheme provides this accreditation to hospitals, clinics, and other medical institutions. In order to be accredited, the clinic must have a valid operating licence from the Ministry of Health to perform the type of service or surgery that is being claimed.

Completing Provider Accreditation

Second, your doctor or dentist must also be accredited under the Medisave and MediShield Life scheme. The provider himself or herself must apply for this accreditation and complete a training session in order to submit any claims on behalf of patients.

Submitting the Paperwork

A Singapore dental clinic or other institution must sign a Deed of Indemnity, or DOI, with the Central Provident Fund Board. This board operates as the trustee for the funds of the Medisave and MediShield Life programmes. Depending on the type of business or clinic applying for participation, other paperwork is also required, such as a GIRO form, direct credit authorisation form, and other documents. The Ministry of Health must approve all participants in the scheme.

Processing a Claim

If your dental clinic in Singapore is accredited and approved for Medisave, you can request that the clinic submit claims to the scheme on your behalf. The clinic submits the claims electronically using online forms. Clinics are charged a small processing fee when your Medisave account is first processed and when the first submission is approved. In some cases, your clinic may pass that transaction cost along to you.

Expecting Audits

Keep in mind that your clinic and dentist are under keen scrutiny. They are audited every year, and if there are signs of abuse or fraud related to Medisave claims, there are severe repercussions for the clinic and the dentist or doctor involved. If your clinic is new to the programme, you may have to be patient as they carefully follow the required steps for claim submission.

As a participant in Medisave, you have withdrawal limits on your claims. For a day surgery, you can only claim up to $300 for clinic charges, plus the amount allowed for that particular surgical procedure under the Table of Operations, a chart provided by Medisave. Your clinic is required to advise you on how to use your Medisave account, and they should provide you with any forms necessary to process the claim.

Finding an Accredited Provider

If you’re not sure whether or not your dentist in Singapore is accredited under the Medisave scheme, call the office today and double-check. Alternatively, you can always opt to switch to a different provider like Orchard Scotts Dental, a quality dental clinic in Singapore. Orchard Scotts Dental offers a full range of dental services, from teeth whitening and Invisalign treatment to porcelain veneers and dental implants in Singapore. We’ll be happy to work with you to determine whether or not your dental surgery can be covered by the money from your Medisave account.

Source: Ministry of Health website, 17 Aug. 2015