Medical insurance co-ordination account refers to the medical insurance co-ordination area after deducting the medical insurance premium paid by the employer for the employees, and the rest is included in the personal account. This part of the money is used to propose a medical insurance pooling fund, which belongs to all insured persons and is managed centrally by social insurance agencies. It is mainly used to pay the medical expenses incurred by insured workers in medical insurance coverage.

The overall medical insurance fund shall be earmarked, and no unit or individual may misappropriate it.

Second, how to use the money in the medical insurance pooling account?

The money in the medical insurance co-ordination account can only be used when the insured has the responsibility within the scope of medical insurance reimbursement and asks the medical insurance department to apply for reimbursement. If it is a daily pharmacy to buy medicine, outpatient treatment, etc. Generally, you can only use the balance of your personal medical insurance account, but you can't use the money in your overall account, let alone take it out.

Simply put, the medical insurance pooling fund is not the money of the medical insurance card, but the account used to settle the hospitalization reimbursement.

In addition, when the actual medical insurance is reimbursed, there will be restrictions such as deductible line, capping line and reimbursement ratio, and not all expenses can be reimbursed by medical insurance.

3. What should I do if the medical insurance pooling account is frozen?

The medical insurance card is frozen, generally because it is not paid on time, so you only need to pay the unpaid fees. The insured can contact the employer to understand the payment situation and pay the medical insurance premium to the tax department of the unit as soon as possible.

If you confirm that medical insurance has not interrupted payment, you can go to the residents' medical insurance service station or medical insurance center to inquire about the specific situation.

As for the medical treatment during the overall freezing of medical insurance benefits, you can advance the medical expenses yourself first. After the medical insurance benefits return to normal, you can submit the invoices, original lists, original and copies of medical records (including outpatient medical records and discharge summaries) and other related materials to the medical insurance center for manual reimbursement.

If the payment is frozen due to the interruption, if the interruption does not exceed 3 months, the medical expenses incurred during the period can enjoy the medical insurance benefits.

In addition, during the overall freeze of medical insurance benefits, the balance of medical insurance personal account can still be used to pay for going to the hospital.