The method of buying medicine with medical insurance is as follows:

1. Buying medicine at designated pharmacies: In general designated pharmacies with medical insurance, we can just pay directly by credit card with medical insurance card. But make sure there is enough money in the medical insurance card, and if it is not enough, you should make up the money yourself.

2. hospitalization in designated hospitals: under normal circumstances, you need to show your medical insurance card and ID card to the designated medical institutions for medical insurance when you are hospitalized, so you can enjoy medical insurance benefits. If you are seriously ill and need hospitalization, just give the card to the hospital and you can feel at ease. It doesn't matter if there is no money in the card. When leaving the hospital, the hospital will settle accounts with the medical insurance center, and each person only needs to pay one-third of the expenses. That is, the personal account is used to pay the personal self-paid part, and the overall reimbursement part is settled by the medical insurance center and the hospital.

when buying medicine with medical insurance, it should be decided according to the local basic medical insurance system. for example, the provisions of the basic medical insurance diagnosis and treatment items, medical service facilities, medication scope and payment standards in this city shall be formulated by the Municipal Human Resources and Social Security Bureau in conjunction with relevant departments in accordance with national regulations.

There are different categories, and reimbursement is also different. The provisions of the basic medical insurance diagnosis and treatment items, medical service facilities, medication scope and payment standards in this Municipality shall be formulated by the Municipal Human Resources and Social Security Bureau in conjunction with relevant departments in accordance with state regulations.

If you are in a pharmacy, some medicines are not allowed to be sold, such as prescription drugs, because there are restrictions on the purchase of medicines in pharmacies.

The national drug list of basic medical insurance divides drugs into three categories:

The first category, category A, can all enter the scope of medical insurance reimbursement and be reimbursed according to the proportion of medical insurance;

the second category (B) requires individuals to bear a certain proportion of the expenses, and then the rest will enter the scope of medical insurance reimbursement and be reimbursed according to the proportion of medical insurance;

Category III and Category C, this part of the medicine is not reimbursed, and it is entirely borne by the individual.

medical insurance reimbursement needs to be made at the medical insurance checkout window of the local cooperative medical management institution or designated medical institution.

The procedures include: my ID card, medical insurance card, original invoice, medication list, medical record and other materials.

its reimbursement is carried out in proportion, generally fluctuating around 2-85%. The proportion and amount of reimbursement are related to their own examination and medication, medical level and other factors. For example, it is clear that Class A drugs can enjoy full coverage, while Class C needs to bear all the expenses, while Class B reports 8% and bears 2% of the expenses.

what is the reimbursement rate of medical insurance outpatient service?

The proportion of outpatient reimbursement is different in different regions. For example, a city's regulations on the overall work of general outpatient medical insurance for urban workers are as follows:

1. The medical expenses incurred by the insured within the scope of the medical insurance policy in the general outpatient service of designated public medical institutions at or above the second level within the jurisdiction of this Municipality have accumulated to 1,5 yuan during the year and started to enjoy the general treatment;

2. reimbursement ratio. The insured person visits the general outpatient department of the second-level designated public medical institution within the jurisdiction of this Municipality, and 6% of the expenses within the scope of the medical insurance policy are paid by the overall fund and 4% by the individual; In the third-level designated public medical institutions for general outpatient treatment, within the scope of medical insurance policy, the cost pooling fund pays 5%, and the individual pays 5%;

3. Top line. During the year, the ceiling line of individual general planning is 6 yuan for medical treatment within the scope of medical insurance policy, and the outpatient medical expenses are not included in the coverage of serious illness insurance for urban workers.

4. If the insured person who participated in the basic medical insurance for employees for the first time in our city has been insured for less than 12 months continuously, the maximum payment of Pumen Co-ordination Fund will be 5% of the general outpatient medical insurance benefits of the insured person who participated in the basic medical insurance for urban employees.

Legal basis:

Social Insurance Law of the People's Republic of China

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, work injury insurance, unemployment insurance and maternity insurance to protect citizens' right to receive material assistance from the state and society in case of old age, illness, work injury, unemployment and maternity.

article 26 the treatment standards of basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.

article 28 medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards, and emergency and rescue shall be paid from the basic medical insurance fund in accordance with state regulations.

article 28 medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards, and emergency and rescue shall be paid from the basic medical insurance fund in accordance with state regulations.

article 29 the part of the insured's medical expenses that should be paid by the basic medical insurance fund shall be directly settled by the social insurance agency, medical institutions and pharmaceutical trading units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.