Endoscopic mastectomy, also known as minimal access or keyhole mastectomy, is a surgical technique gaining attention for potential benefits including smaller incisions and better cosmetic outcomes compared to traditional mastectomy approaches. However, many patients wonder about the cost of this novel procedure and whether it is covered by insurance in Singapore.
What is Endoscopic Mastectomy?
Endoscopic mastectomy is a minimally invasive surgical technique that removes breast tissue through small “keyhole” incisions using specialised long thin instruments. The procedure aims to minimise scarring and promote quicker recovery time, while maintaining effective treatment outcomes.
Despite these benefits, endoscopic mastectomy remains a relatively new and evolving approach in breast cancer surgery, with availability varying across hospitals and clinics. One of the biggest considerations for patients is whether insurance will cover the cost.
Cost of Endoscopic Mastectomy in Singapore
Endoscopic mastectomy is generally more expensive than traditional mastectomy due to the specialised equipment and expertise required. Costs can vary based on the hospital, surgeon, and complexity of the case.
Is Endoscopic Mastectomy Covered by Insurance?
Insurance coverage for endoscopic mastectomy is not always guaranteed, as it may be deemed as a “non-standard” procedure. In such cases, patients may need to cover the difference out-of-pocket or seek additional financial support.
In Singapore, medical costs are typically covered through a combination of government-subsidised systems, employer health benefits, and private insurance. Coverage for endoscopic mastectomy depends on several factors:
1. Type of Scheme
Medical financing schemes in Singapore generally fall into three main categories:
2. Medical Necessity and Approval
A key factor in insurance approval is whether endoscopic mastectomy is considered “medically necessary” by the insurer. Mastectomy is a common procedure for breast cancer treatment, and while traditional mastectomy is often straightforward in terms of insurance coverage, the endoscopic approach may require additional justification.
Insurance companies may request supporting documents from the treating surgeon to confirm that this method is the best option based on:
3. Hospital and Surgeon Choice
Another factor affecting insurance coverage is the choice of hospital and surgeon. As endoscopic mastectomy is a specialised procedure, not all hospitals and surgeons in Singapore may offer it. Some insurers may have preferred hospital networks or surgeons, and the specific hospital or surgeon performing the surgery may impact the level of coverage.
If the procedure is performed at a private hospital or by a surgeon outside of the insurer’s preferred network, patients may face higher out-of-pocket costs or no coverage.
How to Navigate Insurance Coverage for Endoscopic Mastectomy
If you are considering endoscopic mastectomy, it’s crucial to be proactive in understanding your insurance coverage. Here are some steps you can take to navigate the insurance process:
Conclusion: Is Endoscopic Mastectomy Worth the Cost?
Endoscopic mastectomy offers significant advantages in terms of cosmetic outcomes, reduced scarring, and potentially faster recovery times. However, these benefits come at a higher cost, and insurance coverage is not always guaranteed in Singapore.
For patients prioritising aesthetics and a quicker recovery, and who can afford potential out-of-pocket expenses, endoscopic mastectomy may be a worthwhile choice. However, for those whose primary concern is cost or who lack comprehensive insurance coverage, traditional mastectomy remains a more accessible and equally effective option for cancer treatment.
Ultimately, the decision depends in your medical needs, financial situation and personal preferences. Consult your healthcare providers and insurers to make an informed choice that best suits your needs.
Article reviewed by Dr Esther Chuwa, Senior Consultant and Breast Surgeon at Solis Breast Care & Surgery
References:
[1] Lee, W. T., Tan, S. K., & Kwek, S. K. (2015). Mastectomy rates and breast cancer treatment trends in Singapore. Singapore Medical Journal, 56(8), 444-448.
[2] Ministry of Health, Singapore. (2020). MediShield Life and Integrated Shield Plans. Retrieved from https://www.moh.gov.sg/costs-financing/health-insurance/mediShield-life
[3] Central Provident Fund Board, Singapore. https://www.cpf.gov.sg/member/healthcare-financing/using-your-medisave-savings/using-medisave-for-hospitalisation
[4] Tan, W. C., & Teo, C. H. (2018). An overview of keyhole surgeries in oncology. Annals of Breast Surgery, 24(2), 87-92.
Tan, S., & Lee, W. (2021). Health insurance in Singapore: A guide for expats and citizens. Singapore Press Holdings.
