[redbean]

A little bit of frightening news

Many must have missed this piece of frightening news today. It was hidden somewhere in the article by Salma Khalik. Her article in ST talks about the challenges Singapore is facing to be among the best in health care. Then inside she quoted Boon Wan saying that he wanted to transform health care here ‘to be among the best in the world.’ Frightening isn’t it? Still don’t get the idea?

You want the best, it means the best medical professionals, the best equipment, hospital facilities and supporting staff. Can you afford it? Are you willing to pay for it? Please, please Boon Wan, leave the best only to the private hospitals and A and B+ wards in govt privatized hospitals. The rest, please keep it good more than enough. The patients can only afford that level of medical services. But if it is free, by all means. And please don’t force them or mean test them to go for the best. Let them have a choice on how much money they can afford to part, not you decide how much they should part.

The same goes to the best public transport system in the world. You want good, comfort, the best, you must pay for it. You want world class transport, make sure you got world class wallet. And world class people would not want to sit in the train with not world class commuters.
I read somewhere this morning that one sikit atas aka high class woman called a radio station to complain that the low class HDB dwellers are spoiling the atmosphere of Holland Village. Only high class people with high class taste, mannerism and not complaining like low class HDB dwellers are allowed in Holland Village.

This is the perfect complain awaiting the perfect answer and perfect solution. Gantry points will be up around Holland Village and patrons must pay $20 for entry to the Village. This shall ensure the cheapskate and bad manner Ah Sohs and Uncles from going there. Hit their pocket hard and they will stay away.

World class, high class, there is a BIG price to pay for.
_________________
what i posted is just my personal view. feel free to disagree.

[redbean]

Nitcharee’s family has a $13k bill

The Thai girl who had her leg crushed and amputated after falling into the tracks of the MRT now faces a big bill of $13k for her 3 days stay in a public hospital in paradise. The bill includes doctor’s fee, stay in emergency ward, amputation and all the works. And to cremate her amputated legs would cost her family another $650, not counting the expenses to fly here to be by her side.

This is a case of one tragedy after another. Some may not believe that there can be so many tragedies happening to one person in paradise in a few days. Is she covered by insurance as a private student? Or does the SMRT have an insurance to cover for commuters hurt inside the station?
The last resort to pay for this tragedy is for Singaporeans to open up their hearts, if there is any. I think there should be, after all this is paradise and the residents are all saintly.

Poor girl.
_________________
what i posted is just my personal view. feel free to disagree.

[redbean]

Compromising the Singapore Brand

We have branded ourselves as the best in education, an education hub, and also in healthcare, a medical hub, to attract students and medical tourists for the fees they are willing to pay. They came and still coming, for the quality associated with the Singapore Brand.

The private schools sector has received quite a fair share of bad publicity. Now the medical profession is looking like the next candidate to tarnish the well built reputation of the Singapore Brand.

I have heard of countries lowering the standard of entry to medical schools to churn out more native doctors. But the standard has gone down so low that the better informed would avoid the local graduates for their own good.

Not that we have lowered our standards for the same purpose. We have raised our standard so high that many straight As students could not even enter local medical schools. They ended up overseas in some of the best medical schools available in the West. They are excellent doctors whether from our local universities or overseas. That is the kind of standard expected of the Singapore Brand. We have our best in medicine.

The grouses in the media are that we are mixing this elite core of highly qualified professionals with foreign imports of doubtful qualities. And the fear of fake degrees is even more frightening. This rojak of the best and the dubious is going to burn down our shining Singapore Brand in healthcare and, if not careful, destroy the medical hub that we have painstakingly built over the years.

Are we in a hurry for numbers, quick profit and ended up compromising the quality of our healthcare? Are we putting the patients at risk in the hands of quacks or poorly qualified medical professionals?

I hope not. I hope we still have a little commonsense left not to mix shit with good food and spread it around to the innocent and ignorant customers. Or has the rot already started?
_________________
what i posted is just my personal view. feel free to disagree.

[redbean]

A specialist hospital across the causeway
Peter Lim and the Sultan of Johore are building a specialist hospital just across the causeway to cater for Johoreans and Singaporeans. This is the best joint venture to date coming from Johore. And the involvement of the Sultan will eradicate a lot of petty problems that could be conceived from petty minds.
When I wrote about such an option, my main worry is the use of CPF for medical treatment in the Iskander. You know, it can be something like the ¾ tank rule all over again. Then it is as good as a no go. With the Sultan’s stake in the hospital, we can be sure that this is not going to happen. It will definitely give the hospital a big boost in drawing more Singaporeans over.
On the Malaysian side, the Sultan’s presence can ease many unnecessary troubles. The most obvious is to ensure that crime against Singaporeans using the hospital is not an issue and the police would have to work harder on this. Then without Mahathir in the kitchen, hopefully no UMNO leaders will agitate against Singaporeans using their facilities or jamming their roads, raising cost of living.
I am really looking forward to a successful symbiotic relationship between the two sides that improves the lives of both people. The Johoreans will benefit from a world class hospital and its supporting industries. Singaporeans will not be squeezed by the local hospitals and have a meaningful alternative across the causeway.
It can be a real win win situation and not mere lip service.
_________________
what i posted is just my personal view. feel free to disagree.

[redbean]

It takes 9 months for dental appointment

A Goh Cher Choh waited for 9 months just to see his dentist for the chance of getting a subsidised denture. And he has resigned to this new normal of efficiency in this super efficient island. The normal time for waiting is 10 months for root canal treatment, 7 months for dentures, but his case must be an exception, and 5 months for crowns and bridges. Not forgetting a year or more for braces.

But what do they expect, 1 month, 2 weeks or 1 week? Just go to a private clinic and pay for it if one cannot bear to wait. You can choose world class clinics, neighbour clinic or polyclinic, no need to complain.

Looking down memory lane, the kind of free dental care we had in the 50s and 60s was world class, heavenly, actually out of this world. And it was a time when our country was really poor, and probably not enough dentists too. Imagine, every week without fail, the Institute of Health’s bus would be at the school to pick up the students for dental treatment, including free dentures. Where got such thing as waiting for 7 months or 9 months?

Then again, if one wants something that is subsidised, what is a little waiting? The good old days are gone and that kind of experience would never be repeated in this money minded world. Compare to those waiting 3 to 4 years for their housing flats, these dental patients must count themselves very lucky.

The applicants for public housing are paying good money, in the hundreds of thousands, and they too have to wait. And the mantra is that it is their problem caused they did not plan when to get married and when to buy a flat. In my dream I heard someone saying, ‘I build only if there is enough demand. And they just have to wait 3 to 4 years.’ Is this the mentality of serving the people or the other way, I master, you servant?

Thank God that Hsien Loong had reminded his politicians that they are the servants and not the master of the people. Really, why would Singaporeans elect politicians to be their masters and happily live with it as the normal state of affair?

Iskandar, you have a golden opportunity to bum up your dental industry and what are you waiting for?
_________________
what i posted is just my personal view. feel free to disagree.

[redbean]

Robbery, robbery!
This was what I heard as I stepped into the office. This guy was so agitated and they have to calm him down. I took a close look at him to see if there was any blood on him. Normally robbery victim would be beaten up and there would be blood. But I could not see any blood, no blood. As the colleagues were comforting him he continued, they are going to rob you next month of $4,500. Now this is strange. How did he know that the robber is going to rob people next month and the amount as well. He said he read it in the paper. What? What kind of robber is this. This is damn classy man. Want to rob people and still advertised in the newspaper. This calls for respect.
As he continued everyone realized that he was talking about the raise in minimum sum for Medisave next month, from $27,500 to $32,000. Shit, he gave everyone a fright. This is not robbery lah. It is a kind and proactive govt planning the money of the people, and how to protect it before they are lost in gambling and investing. It is exactly this, with such caring and forward thinking govt that the Sinkies are having such a good life, progress, economic growth and so much money in their CPF. Without such good govt, they will have no money left in the kitty, probably losing everything in gambling or in the stock market.
This guy is too much. He is so negative in his thoughts. He could not see the positive side of things. The minimum sum is to help him to pay for his medical bills when he is old. Sure must pay and pay one. Putting aside more Medisave is just being prudent mah. And the big medical bill will definitely become affordable.
And there is Boon Wan in charge, sure got no problem one. He is one of the few good men left and he would want to do more good deeds for the people and for himself. This Medisave thing is going to save 2m people $9 billion. The amount of good karma created is immeasurable. Having the people save their hard earned blood and sweat money and preventing them from squandering it away. And by 2016, the amount could be $40k, lagi more good karma.
One point I am not clear. Is the CPF Board authorized to make this $9b decision? Does it have the authority to do so? Shouldn’t this be tabled in Parliament for discussion and approve by Parliament? My colleagues all agree that there is no need to go to Parliament. When your money is my money and my money is my money, what is there for Parliament to approve? I think I have to agree with this reasoning.
So we all got together to explain to this unhappy guy that he should be very happy about this Medisave thing. It is not robbery, definitely. And come 2016 he may have $40k in his Medisave. Shiok right? And if he suay suay need a by pass that cost $40k, he can tell the world that he got a by pass for free, all paid by his Medisave. No need even to come out $8.
We can see that our logic is getting through and he started to smile, and probably feeling very good about it. Well we have done a good deed.
_________________
what i posted is just my personal view. feel free to disagree.

[redbean]

Medicare for Senior Citizens
Malaysia - Senior citizens can look forward to a healthy start to the new year - they can seek outpatient treatment at government hospitals and clinics without having to fork out a single sen.
Effective yesterday, the Government abolished the token RM1 (S$40 cents) payment senior citizens needed to pay each time they sought such treatment.
The Health Ministry announced in its latest circular that patients aged 60 and above would be exempted from making any payment for outpatient treatment at government hospitals and clinics.
This means that these patients will enjoy medical consultation, check-ups and medication at no charge at all.
The circular, issued by ministry's finance division secretary Wong Foong Lai, stated that the exemption was in appreciation of the contributions made by senior citizens.
Senior citizens would only have to pay a nominal fee if they required specialist care, treatment or hospitalisation…
Lim Wey Wen
If the above were to be in the ST all Singaporeans will know that it must be a joke. But that is real in Malaysia. If only our govt were to treat our seniors better and provide them free medical consultation in poly clinics for common illnesses and cough and colds where no hospitalisation and expensive medical treatment are needed. Our govt is so much richer than Malaysia. If they can afford it, why can’t we? Ok, asking for anything free is like asking to eat in hawker centre, foodcourt or restaurant. How about charging a flat fee of $3 or $5 for the seniors, and NO MEAN TESTING needed?
Many oldies are finding basic healthcare cost quite unbearable. It would be a dream start for 2012. But as they said, tan ku ku. There is no free lunch in paradise. If any oldie is thinking of getting free medical care, try to get admitted into a charity home and go perform in one of the charity shows on TV, and show the world how pathetic and pitiful he is. Then only will he get some charity for free.
_________________
what i posted is just my personal view. feel free to disagree.

[redbean]

Close down our Medical College
I read that it will cost a student about $600k to study Medicine in Australia or more in the US or UK. This is a princely sum of money to acquire a skill to earn a living. I can presume that the cost of training a doctor locally is just as much, though it may cost less to a student after govt subsidies. The full cost could be as much as a million to produce a locally trained doctor to practice as a GP. For the specialists, the cost will be much more.
In my view this is just not cost effective. When we can get fully trained doctors overseas, including specialists, without paying a cent for their training, why do we need to spend so much of our resources on training doctors locally? All the infrastructure, the manpower, resources, etc can be put to better use elsewhere. In a way, we can outsource our medical training overseas by recruiting foreign talents. And we can pay them cheaper than our locals with their unjustly high expectations.
Boon Wan is talking about cutting cost in the medical profession by increasing productivity. I think he should consider this option. The cost will definitely come down, without the costly investment and with cheaper doctors readily available.
In the name of efficiency, cost effectiveness, we can put this kind of thinking further by closing all our universities and recruit foreign talents and graduates to work in the professions and industries as well. Definitely cheaper, hungrier, and more dynamic and with cost advantage, will make our economy more competitive and vibrant.
As for the Singaporeans, they are quite expensive to train locally. If they can afford it, they can join the army of locals in their march to foreign universities which are deemed to be more valuable and better, and come back as foreign talents. They can foot their own training without the state having to fund the local universities and to provide subsidies on their tuition fees.
The net effect is that we will have cheaper doctors who are better trained by overseas universities to serve our people. It is a win win situation.
_________________
what i posted is just my personal view. feel free to disagree.

[redbean]

Gan Kim Yong – Agent 002
In my article on Lui Tuck Yew I mentioned two agents. The other is Gan Kim Yong. I have trouble trying to catch up with the initiatives he has started to revamp the healthcare business, or was it public healthcare? I could not imagine that there are still so many things to do to make the system betterer. Didn’t his predecessor did a good job and make life more cosy for him? Unlike Tuck Yew’s inheritance of a pail of transportation shit, healthcare was supposedly well taken care off, with mean testing and bringing cost down? Did cost really come down? Did mean testing really work or creating more unnecessary and stupid work?
It is revealed in the ST that when they calculate a patient’s means to subsidy, they included every children of the patient. If the patient has twenty sons and daughters, married or unmarried, all their incomes will have to be computed. Unbelieveable to even imagine. Ok, Gan Kim Yong has simplified this a little by only taking in the incomes of those staying with the patient. I am not sure how many letters and emails were sent to the US, UK, China, India or Australia to trace down the children of those patients to qualify for subsidies.
Though steps were taken to make mean testing less mean, a better way would be to make it simpler by doing away with this demeaning and invasive act of prying into people’s privacy in the name of fairness and subsidies.
Gan Kim Yong will be launching his affordable Healthcare 2020, to provide good quality and affordable healthcare with some tweaking to the Medisave Insurance scheme, with higher premiums to go along. Let’s hope his version of affordability is the version that the citizens can understand and appreciate and not the public housing kind.
He is also ramping up hospital beds and community healthcare services working with GPs in the neighbourhood. How would these measures affect the people and the high cost of medicare is still waiting to be seen. If they indeed bring benefits to the people, then he could be another big agent of change. Tentatively, everything sounds good on paper but what is real? Shouting affordability does not mean that it is affordable as public housing is a good example. The bottom line is how hard would the pockets of patients be hurt, be emptied? The affordable housing schemes have resulted in many Singaporeans with not enough for retirement, and with big mortgages that need two incomes and 30 years to repay. If this is the same kind of affordable thinking, then it will be another big disappointment.
One positive point about Gan Kim Yong is his demeanour and composure in Parliament. He responded to questions from all parties purposefully without being ruffled or resorting to making snide replies to belittle others. He is a gentleman in many ways and a role model to other politicians on how to behave well in Parliament.
_________________
what i posted is just my personal view. feel free to disagree.

[redbean]

Time to regret the high property prices
Medical bills in tens of thousands are increasingly common. How many average Singaporeans can afford to cough out this sum of money at one go? And bills of several hundred thousands are just as common in terminal cases or cancer treatment. What to do, everything is getting more expensive. And the medical professionals are humans too and need the money to pay for all the expensive things they need for a good life. The rentals for their office space do not come cheap. The $20m bungalow is something that they need for a more comfy life, and so is the $1m Lamborghini. It is not their fault and there is nothing wrong with them wanting the good life.
When the cost of everything goes up, especially housing, properties, the good life, someone must pay for it. And in professional services, the cost will be passed to the consumers, plus more profits added for good measures, or for the next property or the next car. The inflation game will be nice to play if money is available to everyone, especially the average Singaporeans who form the bulk of consumers. Unfortunately their income does not grow in the same rate and every little increment will be eaten up by the little increases here and there. And when a big medical bill drops into the mail box, it will clean up everything, and some may end up in debt.
Gan Kim Yong is going to make medicare more affordable. No one will be deprived of medicare. The cost will be manageable. Don’t be shy to ask for help. Don’t be shy when they mean test you. They mean well and you may be lucky the govt will provide some assistance through Medifund. And for the fortunate, the bills may end up as arrears in the hospital’s account. Did the patient abscond, in debt and unable to pay, or simply die? Whatever, it is a happy thing that so many people cannot pay their medical debt. Maybe the hospitals will close an eye. Surely they will not paint O$P$ on the debtors’ doors.
And since people have more money in their Medisave Accounts, more will be made available to pay for their affordable medical bills. This reminds me of the money in people’s Ordinary Account. Since they have so much money, HDB prices will be made affordable for them to pay through their CPF savings, and so affordable that nothing much is left for retirement.
I thought a better solution will be to stop people from accumulating too much savings and have more money to spend on other things. If the affordable bills will inflate according to the fattening of the Medisave Accounts, I am worried that it will end up like the empty Ordinary Accounts.
Every time the word affordable is mentioned, it sends a chill down my spine.
_________________
what i posted is just my personal view. feel free to disagree.

[redbean]

Medical Insurance coverage at 90!
Why does a person need medical insurance coverage at 90, or 70? Well if one is LKY or Wee Cho Yaw, when life is a bliss, when everyday extra on earth is better than another day in paradise, you would need insurance even at 100 with the premium costing $100k a year.
Would a 70 year old retiree need to have medical insurance if he is living alone in his lease buy back flat or with his retired wife? Or would a retiree living with his children, supported by his children, still need medical insurance at 70? He will if he wants to continue to live to 100 and pay for all the gadgets they are going to insert into his body or chop dying parts off his body when the parts are not working anymore.
I would say this is a very subjective point. I do not need insurance at 70. I rather use the money to amuse myself or give it to the children and grandchildren. What is the point of paying so much insurance and more for medical bills that may come to hundreds of thousands when one is already 70? But if one has all the money in the world, why not?
Consider an average person with no income, just living and waiting to be called home to the Lord, is it worth it to spend the children’s money, a few hundred thousands, to live for another few months or few years? Is it worth it to spend whatever that is left in one’s CPF savings, including the ransom held for one’s own good in Medisave for more insurance premium? It may be an issue of affordability or an issue of where to spend the money.
A lease buy back scheme on a HDB flat may not be enough for a long hospital stay. It will bankrupt people under such scheme as the bill is no small matter. And after paying the bill and with nothing left, then what?
The thought of medical insurance after 70 is amusing. The thought of medical insurance at 90 must be a joke to many.
_________________
what i posted is just my personal view. feel free to disagree.

[redbean]

When angels speak…
The angels are up in arms to protect the oldies. They are all claiming that health insurance for the oldies is not enough. The cost of healthcare for the oldies is just too high and the payout of Eldershield, another automatic compulsory scheme that I just heard of, unless one opted out at 40 from his Medishield, is paying only half of what is needed. And the insurance man roared in approval. Yes, yes, not enough. The govt must do more and provide the direction…for more insurance?
First thing, why is healthcare so expensive? Why is the cost not coming down especially for the oldiers? If the cost is not coming down, who can afford to pay an insurance premium that is running along with higher medical cost, like two devils waltzing happily to the tune of The Last Waltz?
The second point is that many simply cannot afford to pay and pay. With so many big ticket items, high cost of living and expenses, high protection money locked up in CPF, where got money to pay for more insurance and more premiums? And oldies got no income you know.
The third point, please lah, many oldies’ lives are already so miserable that there is no need to prolong their agony and suffering on earth. Many would long to die and go to heaven. What more health care and more money to perpetuate their misery?
What is the real problem? What should be done? It is not a money problem. It is only a money problem for those who sees money to be made and the poor buggers, all with pockets already empty, are being targeted to pay more when there is heaven waiting. Why stop these oldies from going home to be with the Lord?
The expensive insurance schemes to take care of oldies till they are one hundred years old should be personal, individualized and never be compulsory or across the board. For those who are living a life of heaven on earth, go and ask them to pay more for their precious life. Leave those who cannot afford it to live in peace and return to the Lord soonest. Don’t rob them again when they are all dying and waiting to go home.
When angels are out to help, be frighten, be very frighten.
_________________
what i posted is just my personal view. feel free to disagree.

[redbean]

When doctors waited for you

This is a strange thing to happen. The doctors, dental surgeons and other medical professionals were there waiting to treat you. We used to have only one general hospital and a few clinics to serve the population. The population was smaller and the number of medical professionals too was smaller, and private doctors and clinics were not many.

Those were the times when the medical fees were relatively cheap and the doctors were often found waiting for patients. But their lifestyle was much better, driving Mercedes and living in landed properties still.

Our population has grown and so have our medical facilities and medical professionals. The mentality of the people has also changed. Every little pimple appearing on their backside or a little black spot on the face and they would want to queue up to see a specialist. They would not bother to squeeze out the pimple or scratch away the black spot with a pen knife.

We have several big general hospitals and several big private hospitals today. And the number of practitioners has grown too. We probably have more specialists today than we have GPs in the 60s and 70s. When we made an appointment then it was a week or a few days ahead.

Today, an appointment with a dental surgeon or GP in public hospital or clinic, if one is paying subsidised rate, can be one year or several years down the road. 3 years wait is quite common. But if you tell them you are willing to pay, suddenly the queue is immediately shortened. How much shorter depends on how much one is willing to pay to jump the queue, especially in the private sector.

This is progress. We have more than 5m people and when everyone is willing to pay for good service, the one who has a bigger bank account will get the best service available. No one is or will be deprived of medical services. It may just take a little longer. The medical condition just needs to wait for its turn to be treated.

Could there be a message in a 1 year or 3 year appointment? The first is simply, pay if you can’t wait. Or maybe the condition is just not urgent enough. Or is it another way of telling the patient, ‘Hope you will be smart enough to go somewhere. Don’t come and waste my time.’ Or it could be another hope, that the patients may not survive the 3 years wait and the problem will take care of itself naturally.

We have progressed, and our way of solving pesky problems has also improved, very diplomatically. If one is unwilling to pay the ransom or market rate, one has to wait for the doctors. 3 years is reasonable, it is subsidised what do you expect? Today we have progressed from having lower quality services when doctors waited for patients, to world class services when patients have to wait for doctors.
_________________
what i posted is just my personal view. feel free to disagree.

[redbean]

Mean Testing is history? Boh liao!
Can anyone confirm that mean testing for hospital admission has been scrapped? This outrageous policy was so unsound and ethically unacceptable that it was a grievance from the start. It could have continued as a tough policy and nothing can be done about it for as long as someone tried the tough act and refused to budge.
Now, has anyone really budged and got it removed? And if so, shouldn’t it be announced so that the people can be at ease during admission and have a freer choice as to how much money they are willing to pay? It is unacceptable that such a high profile policy that was implemented with so much fanfare but evicted without notice.
My bet is that it is still in force, at least until an official statement is made on this. The grapevine and gossips that it is no longer in practice are not reliable. And getting this monster out of the way is not enough. With hospital bills that can bankrupt any average Sinkie, more must be done to bring down hospitalization cost, provide more C ward beds, more generic medicine that do not cost a bomb. The rich can continue to opt for their special branded or high end medicine and pay for it.
Would someone in the ministry or hospital care to clarify that this mean thing has left us for good?
_________________
what i posted is just my personal view. feel free to disagree.

[redbean]

11 year old selling CD to pay for eye surgery
I was won over by the bubbly nature of this precocious little girl when she performed at the President’s Charity Show. She was confident, intelligent and very mature for her age. It was so painful to see her living life without sight. She was born with opaque cornea and unable to see.
Yerterday TRE carried an article of adelyn Koh composing songs and selling her CDs to raise fund for her eye operation. It is going to cost her $40k per eye and a total of $80k for both eyes. I wish the hospital could have done it for her for $8. It would be so nice and I will willingly pay for it.
The richest country in the world with the most millionaires per capita, and there is this little girl being left to fend for herself, to raise money on her own, for the badly needed surgery. She had done 4 operations without success. It was reported that she has just operated on one eye and still trying to raise the balance to pay for the next eye.
Wonder how much we paid for the conjoint twins for the operation held here several years back. Is there an eye surgeon willing to do a little charity to charge her less, to give her sight, to live like a normal child? Would the govt….never mind.
_________________
what i posted is just my personal view. feel free to disagree.