The strategies for purchasing medicines as a whole with medical insurance cards are as follows:

1. Understand the medical insurance policies: First, you need to know the local medical insurance policies, including the proportion of medical insurance reimbursement, the scope of reimbursement and the regulations on the use of medical insurance cards. This information can usually be found on the official website of the local social security bureau or the medical insurance bureau.

2. Choose a designated pharmacy: When using the medical insurance card to purchase medicines as a whole, you must choose a designated medical insurance pharmacy. These pharmacies usually hang signs of designated pharmacies for medical insurance at the door or in a conspicuous position. When choosing a pharmacy, you can also ask the clerk whether he supports the overall payment of medical insurance cards.

3. Show your medical insurance card: When you buy medicine in a designated pharmacy, you must show your medical insurance card to the clerk. The clerk will check the medical insurance information and help with the subsequent reimbursement operation.

4. Check drug information: In the process of purchasing drugs, please carefully check the name, specification, quantity and price of drugs to ensure that the purchased drugs meet the demand and are within the scope of medical insurance reimbursement.

5. Payment and reimbursement: At the time of payment, the clerk will settle the account according to the proportion of medical insurance reimbursement. You need to pay the out-of-pocket part, while the overall part is paid by the medical insurance fund. Please note that the reimbursement rate may be different in different regions, depending on local policies.

6. Keep relevant vouchers: After purchasing medicines, please keep relevant vouchers, such as invoices and prescriptions, properly. These vouchers can be used for subsequent inquiry and verification of medical insurance reimbursement.

The benefits of paying medical insurance are as follows:

1. It is conducive to improving labor productivity and promoting the development of production. Medical insurance is the inevitable result of social progress and production development. Conversely, the establishment and improvement of medical insurance system will further promote social progress and production development. On the one hand, medical insurance relieves the worries of workers and makes them work with peace of mind, which can improve labor productivity and promote the development of production; on the other hand, it also ensures the physical and mental health of workers and the normal reproduction of labor;

2. Adjust income differences to reflect social equity. Medical insurance is an important means for the government to redistribute income by collecting medical insurance premiums and paying medical insurance service fees.

3. An important guarantee for promoting economic system reform, especially the reform of state-owned enterprises.

To sum up, by understanding the medical insurance policy, selecting designated pharmacies, showing medical insurance cards, checking drug information, paying and reimbursing, and keeping relevant vouchers, we can make better use of the overall payment function of medical insurance cards and reduce the burden of drug purchase.

Legal basis:

Article 23 of the Social Insurance Law of the People's Republic of China

Employees shall participate in the basic medical insurance for employees, and both the employer and the employees shall pay the basic medical insurance premium according to the national regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees in the employer and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.