The difference between Class A and Class B of medical insurance payment:

1. The colors are different. The red logo OTC is Class A OTC, and the green logo OTC is Class B OTC;

2. The sales channels are different. Class A drugs can only be sold in pharmacies, while Class B drugs can be sold in many ways, not only in pharmacies, but also in specific commercial shops approved by drug supervision departments.

3. With different reimbursement rates, Class A drugs can be reimbursed according to 1% of the reimbursement rate, while Class B drugs require the insured to pay 3% of the expenses first, and then the remaining 7% of the expenses will be reimbursed in proportion;

4. With different price levels, Class A drugs are uniformly formulated, and their prices are lower than those of similar drugs. Although the price of Class B drugs is uniformly formulated, it can be adjusted appropriately in local areas, which is higher than that of Class A drugs in similar drugs.

reimbursement ratio of medical insurance category A and category B:

1. Category A, which can all be covered by medical insurance reimbursement, is reimbursed according to the proportion of medical insurance;

2. Class B, the use of such drugs requires individuals to bear part of the expenses according to a certain proportion, and the rest will enter the scope of medical insurance reimbursement and be reimbursed according to the proportion of medical insurance;

3. Class III and Class C. This part of the medicine is not reimbursed, and it is all borne by the individual. Therefore, for Class A drugs, except for the items that must be deducted, others are reimbursed by 1%; Only 7%-8% of Class B drugs are reimbursed, and the self-funded drugs need to be fully borne by themselves.

To sum up, the differences between Class A and Class B of medical insurance payment are different in color identification, sales channels, reimbursement ratio and price level.

Legal basis:

Article 28 of the Social Insurance Law of the People's Republic of China

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 medical expenses of the insured 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 social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in different places, so as to facilitate the insured to enjoy the basic medical insurance benefits.