Key Takeaways
- You can use Medisave to cover the cost of wisdom tooth removal in Singapore.
- You can only use Medisave if the wisdom tooth removal involves surgery as non-surgical procedures do not qualify.
- The procedure has to be carried out at a Ministry of Health (MOH)-accredited dental clinic.
- You must be a Singaporean Citizen or a Permanent Resident.
- There must be sufficient balance in your Medisave account.
Wisdom Tooth Medisave Usage
Wisdom tooth removal is a common dental procedure in Singapore. That sounds scary to most people and they worry about the pain. As it is very often a surgical procedure, it can also stress the finances if you need 4 wisdom teeth taken out! You are not alone if your dentist has recommended that you remove a wisdom tooth. Fortunately, Medisave can help cover the cost of the treatment. With an extra reason to smile, you can rest assured in finding the dental care best suited to your situation.
To help you make an informed choice, here are four key questions to consider before you start your treatment:
Can I Use Medisave to Help Pay for My Wisdom Tooth Removal?
The answer to this question is YES, if the following conditions apply:
- The wisdom tooth removal procedure involves surgery, such as the extraction of an impacted wisdom tooth which is infected, partially emerged, growing at an angle or has become embedded in the gum.
- The procedure can only be done at a Ministry of Health (MOH)-accredited dental clinic.
Routine, straightforward extractions of teeth that have fully emerged are not covered by Medisave because they do not involve surgical intervention.
An initial consultation with your dentist will help determine the position and condition of your wisdom teeth, and come up with a treatment plan suited to you.
What Criteria Must I Fulfil to Qualify for Medisave?
Ensure your Medisave account has enough balance. If you do not have enough, you can use the Medisave account of an immediate family member (spouse, children, parents or grandparents who are Singaporean citizens or Permanent Residents).
How Much Can I Claim with Medisave?
Medisave may not cover the entire medical bill but it can will definitely reduce your expenses. The amount you are able to claim is determined by how complicated your surgical procedure is. For Singaporeans and Permanent Residents, the claimable amount is based on the type of operation you have undergone, and there is a cap set by the CPF board.
Here is a general rule of thumb to follow:
- Simple Surgical Extraction: You may be able to claim up to $700 per tooth.
- Complex Surgical Extraction (for example, severely-impacted teeth): You may be able to claim up to $1400 per tooth.
Please note that the above amounts are only estimates. Your final amount is subject to the nature of the surgery, the total fees amount charged, and the approval of the CPF Board.
How Does the Medisave-Claims Process Work?
The claims process is straightforward and easy-to-follow because the clinic handles the processing on your behalf.
- Consultation and assessment
Visit your dentist for a consultation and examination to work out the cost; determine if a surgical extraction is necessary.
- Let Your Clinic Know in Advance
Inform your clinic before you want to use Medisave before the surgery.
- Sign the Form
You or the Medisave account holder need to sign a Medisave Claims Authorisation Form (MCAF). This form grants the clinic permission to submit your claim to the CPF Board on your behalf.
- Bring Your NRIC
On the day of your surgery, bring your NRIC.
- The Clinic Submits Your Claim
The clinic will submit the claim directly to CPF on your behalf.
- Wait For Approval
Wait for your claim to be approved by the CPF board. The money reimbursed and received by the clinic will be returned to you via cheque or paynow.
Frequently Asked Questions
How long does the Medisave Claims Process take?
Processing time can vary, but most clinics file your claim shortly after surgery. You can refer to this table by the CPF board for a list of processing times.
What do I do if I cannot afford a wisdom tooth extraction?
You may discuss payment plans for wisdom tooth extraction with your team of dental professionals.
Who is considered “An Immediate Family Member” for Medisave Claims?
An immediate family member refers to your spouse, parents, or children (they must be Singaporean citizens or Permanent Residents)
Can I use Medisave for wisdom tooth removal at any dental clinic in Singapore?
No, the dental clinic must be MOH-accredited.
If you are considering dental treatment such as wisdom tooth removal or other dental procedures, we at An Dental, understand you may have questions about the process as well as other dental-related issues. Do give us a call!
Contact An Dental for further enquiries.
