MMP will be deducted off your final bill. You cannot claim 100% via medisave as there is a capped amount (doesn’t matter whose medisave you use) unless you go for subsidised which most of the time falls below the capped value.
Eg for mine, I was under private, my total bill was $8K after MMP deduction and I can only use $4K to offset from medisave and $4K via cash.
MUTIARA NAZTAZJA