Medishield is becoming a pillar of my barebones/minimalist ffree so these details are becoming increasingly important.
- day surgery with zero hour hospital stay? Medishield also covers.
- max coinsurance payable by each patient is 3k/Y, with many fine prints
- Singlife has a panel (of doctors)
— claim from shield first, not company insurance
In 2022, Colin Lim told me the best practice across the industry. Given that shield plans have non-zero D+C [deductible + coinsurance], we often need to cover D+C with company insurance. The procedure is
- send full bill to shield insurer
- insurer will coordinate with hospital and issue reimbursement
- for the remaining amount [D+C etc], insurer can liase with company insurance, if you inform them upfront.
In my 6 Feb 2022 email to Colin, the illustration has $550 D+C amount. Colin said $550 can be covered by company insurance.
Hospital is in the picture always. If you start with company insurance but it can’t cover 100%, then you need to engage shield plan to cover the remainder. This would be very messy and can result in extra cost to the patient.