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Diabetes Hub: Guide to Managing Diabetes

National Diabetes Reference Materials - An initiative under the War on Diabetes

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Finance

1
Outpatient Bill
How your outpatient bill may be covered
Your outpatient bill may be covered by subsidies, employee benefits, Medisave and out-of-pocket.
1

Government Subsidies
Available at public specialist outpatient clinics (SOCs), polyclinics and CHAS GPs
Refer to government subsidy pages for more information

2

Employee benefits/Private Medical Insurances (PMIs)

3

MediSave/Chronic Disease Management Programme (CDMP)
Refer to MediSave pages for more information

4

Out-of-pocket payment (OOP)
This is determined after deducting government subsidies, available employee benefits and private medical insurances, and the amount that the patient wishes to deduct from MediSave

2
Subsidies
Government subsidies

at subsidised specialist outpatient clinics (SOCs) and polyclinics

Household with income
Household Monthly
Income Per Person
Subsidy at subsidised SOCs^Subsidy at
polyclinics
Use Pioneer Generation subsidy at subsidised specialist outpatient clinics and polyclinics Use Merdeka Generation subsidy at subsidised specialist outpatient clinics and polyclinics
Additional PG / MG subsidy
Subsidised
services
Subsidised
medications
Subsidised
medications
for adults*
$1,200
and below
70%75%75% PG: Additional 50% off the remaining bill
MG: Additional 25% off the remaining bill
$1,201 to $2,00060%
Above $2,000/
Unassessed
50%50%50%
Households no income
Annual Value#
(AV) of Home
Subsidy at subsidised SOCs^Subsidy at
polyclinics
Use Pioneer Generation subsidy at subsidised specialist outpatient clinics and polyclinics Use Merdeka Generation subsidy at subsidised specialist outpatient clinics and polyclinics
Additional PG / MG subsidy
Subsidised
services
Subsidised
medications
Subsidised
medications
for adults*
$13,000
and below
70%75%75% PG: Additional 50% off the remaining bill
MG: Additional 25% off the remaining bill
$13,001
to $21,000
60%
Above $21,000/
Unassessed
50%50%50%

^To receive subsidies for Public SOC visits, you will first need to be assessed and referred by a CHAS clinic or polyclinic. The doctor will refer you to a Public SOC as a subsidised patient where eligible

*Children (18 years or younger) and elderly (65 or older) already receive 75% subsidy for subsidised medications at the polyclinics

#The AV of your home is the estimated annual rent if it is rented out. It is assessed by IRAS.

Government subsidies at CHAS GPs

From 1 November 2019

Use your CHAS Green at participating GPs Use your CHAS Orange at participating GPs Use your CHAS Blue at participating GPs Use Merdeka Generation subsidy at subsidised specialist outpatient clinics and polyclinics Use Pioneer Generation subsidy at subsidised specialist outpatient clinics and polyclinics
PCHI (Per Capita
Household
Income)
Above $2,000$1,201 to $2,000$1,200 and belowAll Merdeka Generation seniors receive CHAS benefits,regardless of income or AV ofhomeAll Pioneersreceive CHAS benefits, regardless of income orAV of home
AV (Annual Value)
of Home
(For households with no income)
Above $21,000$13,001 to $21,000$13,000 and below
Acute (common
illnesses)
-Up to $10 per visitUp to $18.50 per
visit
Up to $23.50
per visit
Up to $28.50
per visit
Simple ChronicUp to $28 per visit, capped at $112 per yearUp to $50 per visit, capped at $200 per yearUp to $80 per visit, capped at $320 per yearUp to $85 per visit, capped at $340 per yearUp to $90 per visit, capped at $360 per year
Complex ChronicUp to $40 per visit, capped at $160 per yearUp to $80 per visit, capped at $320 per yearUp to $125 per visit, capped at $500 per yearUp to $130 per visit, capped at $520 per yearUp to $135 per visit, capped at $540 per year
Dental-$50 to $170.50 subsidy per procedure (denture, crown, root canal treatment only)$11 to $256.50 subsidy per procedure (dependent on procedure)$16 to $261.50 subsidy per procedure (dependent on procedure)$21 to $266.50 subsidy per procedure (dependent on procedure)
Recommended Health Screening under Screen for Life (SFL) Screen for Life supports and promotes diabetes managementA fixed fee of $5 with SFL Invitation letter, for recommended screening test(s) and first post-screening consultation, if requiredA fixed fee of $2 with SFLInvitation letter, for recommendedscreening test(s) and first post-screeningconsultation, if requiredA fixed fee of $2 with SFL Invitation letter, for recommended screening test(s) and first post-screening consultation, if requiredFree with SFL Invitation letter, for recommended screening test(s) and first post-screening consultation, if required
Pioneer Generation eligibility
  • Born on or before 31 December 1949
  • Received citizenship by 31 December 1986
Merdeka Generation eligibility
  • Born from 1 Jan 1950 to 31 Dec 1959; and
  • Received citizenship on or before 31 Dec 1996
OR
  • Born on or before 31 Dec 1949; and
  • Received citizenship on or before 31 Dec 1996; and
  • Did not receive Pioneer Generation Package
Type of visit
Acute (common illnesses)
  • Capped at 24 visits for common illnesses per patient per calendar year, across all CHAS clinics, from 2020 onwards
Simple
  • “Simple” refers to visits for a single chronic condition
Complex
  • “Complex” refers to visits for multiple chronic conditions, or a single chronic condition with complication(s)

Refer to MediSave pages for the list of chronic conditions under the Chronic Disease Management Programme (CDMP) for CHAS Chronic conditions

Screen for Life
  • Recommended health screening refers to screening for diabetes, high blood pressure, high blood cholesterol, colorectal cancer and cervical cancer
3
MediSave for outpatient bills
Use your MediSave through the Chronic Disease Management Programme for your outpatient bills
Chronic Disease Management Programme (CDMP)
  • Specific chronic diseases
  • Requires 15% co-payment
  • Part of MediSave500, i.e. up to $500 per year
    - Patients can tap on accounts of immediate family members (i.e. spouse, parents and children)
    - Patients who are SC/PR can tap on grandchildren’s and sibling’s MediSave
To start using MediSave for the Chronic Disease Management Programme (CDMP)
  • Visit a clinic/ doctor who is registered with MediSave for CDMP to:
    - Be certified by a doctor that you have one of the listed chronic conditions
    - Sign the MediSave authorisation form
  • If you are using multiple accounts, your family members’ consent will have to be provided

 

1Patients can tap on accounts of immediately family members (i.e. spouse, parents and children); Patients who are SC/PR can tap on grandchildren’s and sibling's MediSave

2Patient’s own and spouse’s account may be used, provided spouse is also ≥ 60 years old

Diabetes patients above 60 years old can use Flexi-Medisave for their outpatient bills
Flexi-MediSave
  • For patients ≥ 60 years old
  • Can be used for the 15% co-payment under CDMP
  • Up to $200 per patient per year2
  • Can be used at Specialist Outpatient
    - Patient’s own and spouse’s account may be used, provided spouse is also ≥ 60 years old
MediSave
  • National medical savings scheme
  • Can help to pay for personal or immediate family members’ hospitalisation, day surgery, and certain outpatient expenses
MediSave500
  • Scheme for outpatient care
Flexi-MediSave
  • Can be used at Specialist Outpatient Clinics (SOC) in public hospitals and national specialty centres, polyclinics, and participating Community Health Assist Scheme (CHAS) Medical GP clinics

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