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Financing for Healthcare (The 3Ms (Medifund (Set up in April 1993 It…

- - - - Medisave-approved Integrated Shield Plans (IP):
        
        These are private insurance coverage provide addional benefits and coverage to the patients whe they choose to stay at Class A and B1 wards in public or private hospital.
  - - - MediFund Approval Level
        
        There are 3 levels of approval:
        1) Medifund Level 1: Pre Qualified Cases (Auto)
        2) Medifund Level 2: Staight Forward (SF) Applications
        3) Non-Straight Forward (NSF) Applications
        
        Medifund Level 1 - Pre Qualified Cases (Auto):
        
        Those who are on public assistance such as people who hold a public assistance card.
        
        Medifund Level 2 - Straight Forward (SF) Applications:
        
        Recommended % based on household income are the same or lower than eligible %
        
        Aproved at Medical Social Worker (MSW) Level
        
        Medifund Level 3 - Non-Straight Forward (NSF) Application:
        
        Recommended % is greater than the eligible % ased on household income
        
        Approved by Medifund Committee (in-charge of Medifund)
    - - For Singaporeans 65 years old or above
        
        The term 'silver' usually used for to describe elderlies.
        
        Launced in November 2007 in restructured hospitals and institutions.
- - - - Values of Subsidies for Patients with CHAS card (after going through means-testing)
        
        For consultation:
        
        a blue card offers 70% subsidy
        
        an orange card offers 50% subsidy
        
        Pioneer Generation holder offers additional 50% off for subsidy.
        
        For drugs:
        
        a blue and an orange card will receive 75%
        
        Pioneer Generation card holder will receive addtional 50% subsidised bill.
    - - Medication Assistance Fund (MAF)
        
        aid to help lower income patients who may not be considered straightforward cases for Medifund
        
        focuses on selected clinically-effective medications that may be expensive
        
        it is a separate funding from Medifund
        
        Maximum subsidy level of 75%
      - Medication Assistance Fund Plus (MAF+)
        
        Expanded version of MAF (Medication Assistance Fund) to cover non-standard (NSDL) drugs *NSDL refers to both Non standard and Non Formulary
        
        Increase maximum subsidy level from 50% to 75%
        
        Deducted first before usig patient's Medifund or Medisave.
- - - - Where healthcare professinals counsel patient on the financial impact of the patients' medical treatment.
        
        It will help patients estimate the bill size and choose the appropriate inpatient class
        
        They (patients) will be required to undergo means-testing (if they have not) to determine the amount of subsidies they can get and to see what type/class of ward they qualify for.
        
        Different type/class of wards have different subsidy levels
        
        Normally, patients who choose either Class B2 or C are eligible for subsidies ranging from 80% for Class C and 65% from Class B2.