Key Takeaways
- Medisave can be used for wisdom tooth removal only if it involves surgery, such as the surgical removal of an impacted, infected, partially erupted, angled, or embedded wisdom tooth.
- Routine tooth extraction is usually not Medisave-claimable because it does not involve surgical intervention.
- The procedure must be done at an MOH-accredited dental clinic for Medisave claims to apply.
- The claimable amount depends on the complexity of the surgery, with simple surgical excision claimable up to around $420 per tooth, while more complex surgical excision may be claimable up to around $1,120 per tooth.
Using Medisave for Wisdom Tooth Removal
Wisdom tooth removal is a dental procedure in Singapore that some individuals may need to undergo as they age. However, many are concerned about the procedure and cost. Fortunately, Medisave can help cover the cost of the treatment. With an extra reason to smile, you can rest assured in finding the medical care best suited to your dental situation.
Here are some common considerations one may have before using Medisave to get their wisdom tooth removed:
How Much MediSave Can I Claim for Wisdom Tooth Surgery?
Medisave does not cover the entire medical bill but it can reduce your expenses. The amount you’re able to claim is determined by how complicated your surgical procedure is. For Singaporeans and Permanent Residents, the claimable amount is based on the kind 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 Excision which does not requiring dividing the tooth: You can claim up to $420 per tooth.
- Surgical Excision which requires division of the tooth (for example, severely-impacted teeth): You can claim up to $1120 per tooth.
These amounts are only estimates, as the final amount is subject to the nature of the surgery, the total fees amount charged, and the approval of the CPF Board. Do note that some Medisave claims may increase due to the complexity of the surgery and the number of teeth that have to be removed surgically.
Who Is Eligible to Use MediSave for Wisdom Tooth Removal?
- To qualify for using Medisave, you need to be over 18 years old and a Singaporean Citizen or Permanent Resident. Make sure that your account has enough balance. If not, you can use the Medisave account of an immediate family member, such as your spouse, children, or parents who are Singaporean Citizens or Permanent Residents.
- The wisdom tooth removal procedure involves surgery, such as the surgical removal 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.
When is it not MediSave-claimable?
Routine, straightforward extractions of teeth that have fully emerged are not covered by Medisave because they don’t involve surgical intervention. To help determine the condition of your wisdom tooth, an initial consultation with your dentist is needed. Your dentist can assess your wisdom tooth’s growth and come up with a suitable treatment plan.
The Process for Claiming Medisave
Your dental clinic handles the claim process on your behalf. What you need to do is:
- Consultation and assessment
Book a consultation with your dentist. During the examination, your dentist will determine if a surgical extraction is necessary and work out a cost estimate.
- Inform Your Clinic
Let your clinic know in advance that you want 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
Bring your NRIC on the day of your wisdom tooth surgery.
- The Clinic Submits Your Claim
The clinic will submit the claim directly to CPF on your behalf.
- Wait for Claim Approval
Wait for your claim to be approved by the CPF board. If there is a remaining balance, it needs to be paid out-of-pocket.
Common Signs You May Need Wisdom Tooth Surgery
If a wisdom tooth is trapped within the gums or jawbone and cannot erupt fully into the mouth, wisdom tooth surgery is necessary to remove the wisdom tooth. In such instances, a standard extraction procedure not adequate to remove the wisdom tooth from its socket, and may require additional tissue or bone removal to access and remove the tooth.
Wisdom teeth that require surgical extraction include:
- Impacted wisdom teeth
- Titled, angled wisdom teeth
- Wisdom teeth that are close to nerves
Frequently Asked Questions About Medisave for Wisdom Tooth Removal in Singapore
Can I use Medisave for Wisdom Tooth Removal at any dental clinic in Singapore?
No, the dental clinic must be MOH-accredited.
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.
Who Is Considered “An Immediate Family Member” for Medisave Claims?
An immediate family member refers to your spouse, parents, or children if they are Singaporean citizens or Permanent Residents.
What Do I Do if I Cannot Afford a Wisdom Tooth Extraction?
You may discuss payment plans with your team of dental professionals.
If you are considering dental treatment such as wisdom tooth removal or other dental procedures, we, at TES Clinic, understand you may have questions about the process as well as its risks and benefits.
Contact TES Clinic for further enquiries.