You can use your medical insurance card during prenatal check-ups, but you can only use the personal account of the medical insurance card to pay for prenatal check-ups.

The cost of prenatal check-ups for pregnant women is ultimately reimbursed by maternity insurance.

Taking Zhengzhou City as an example, according to Article 11 of the "Zhengzhou City Employee Maternity Insurance Measures", the medical expenses incurred by female employees who comply with the population and family planning policies and the employer pays the maternity insurance premium in full and on time, the maternity insurance fund is as follows

Limit standard payment: (1) Prenatal check-up: 800 yuan/case (2) Normal delivery: 2,200 yuan/case for third-category designated medical institutions; 2,000 yuan/case for second-category and below designated medical institutions; (3) Abnormal delivery (dystocia)

): Category III designated medical institutions 2,800 yuan/case; Category II and below designated medical institutions 2,600 yuan/case; Cesarean section: Category III designated medical institutions 4,500 yuan/case; Category II and below designated medical institutions 4,300 yuan/case;

(4) If other related obstetric and gynecological surgeries are performed at the same time as cesarean section, 5,000 yuan per case will be charged. The fee standard specified in paragraph 3 of this article will no longer be paid.

If the actual medical expenses are lower than the above-mentioned limit, payment shall be made according to the facts. If the actual medical expense is higher than or equal to the above-mentioned limit, payment shall be made according to the above-mentioned limit.

Expanded information is based on Article 5 of the "Zhengzhou Employee Maternity Insurance Measures". The maternity insurance fund consists of the following items: (1) Maternity insurance premiums paid by the employer; (2) Interest on the maternity insurance fund; (3) Delayed payment of maternity insurance

late payment fees; (4) other funds included in the maternity insurance fund in accordance with the law.

Article 6: Maternity insurance premiums are paid by the employer, and individual employees do not pay.

The employer shall pay 1% of the average monthly salary of its employees in the previous year for maternity insurance premiums on a monthly basis.

State agencies and public institutions with full financial support shall pay monthly maternity insurance premiums based on 0.5% of the average monthly total wages of their employees in the previous year.

Maternity insurance premiums are included in the fiscal budget and are allocated by the financial department to medical insurance agencies on a monthly basis.

Article 7 When the revenue of the maternity insurance fund exceeds the expenditure, the annual overdraft portion shall first be paid by the balance of the maternity insurance fund in each coordinating region over the years. When the accumulated balance is insufficient to pay, the fiscal gap of each coordinating region shall be used to settle the gap.

Article 8 The payment base of maternity insurance shall be determined according to the payment base of basic medical insurance for urban employees. Matters such as the employer’s wage declaration, fee payment method and time, information changes, etc. shall be consistent with the basic medical insurance. Its file information shall be managed uniformly with the basic medical insurance.

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Article 9 Maternity insurance premiums are collected and paid by medical insurance agencies in accordance with the provisions of the "Interim Regulations on the Collection and Payment of Social Insurance Premiums". Employers must truthfully declare the number of employees and total wages, and pay maternity insurance premiums in full and on time.

If payment is not made within the due date, a late payment fee of two thousandths will be charged on a daily basis, and the late payment fee will be incorporated into the maternity insurance fund.

Article 10: Maternity insurance premiums are raised in accordance with the principle of “determining revenue based on expenditure and balancing revenue and expenditure”.

The maternity insurance fund is deposited in a special fiscal account, and management is implemented on two lines of revenue and expenditure. The funds are earmarked for special purposes and accounted for separately. No unit or individual may embezzle or misappropriate them.