1, different management institutions: medical insurance is managed by government departments, and commercial medical insurance is managed by insurance companies;

2. Different ways to participate in insurance: medical insurance is compulsory social insurance, and it is compulsory for people within the scope stipulated by the state; Commercial medical insurance is voluntary commercial insurance, which can be purchased according to individual needs;

3. Different reimbursement scope: The reimbursement scope of medical insurance mainly includes medical expenses within the scope of medical insurance, such as hospitalization, outpatient service and medicines. The coverage and reimbursement standards of commercial medical insurance vary according to different insurance products, which can increase the protection of medical expenses and provide special medical services;

4. Different expenses: the medical insurance expenses are paid by individuals and units according to a certain proportion, and the medical expenses paid by medical insurance also have a certain out-of-pocket part; The cost of commercial medical insurance is calculated according to different insurance products and personal conditions, which requires a certain insurance cost, and the scope of protection and reimbursement standards are also different;

5. Different sources of funds: the funds for medical insurance mainly come from the contributions of insured persons and units, as well as the government's financial allocation; The funds of commercial medical insurance come from the insurance cost and investment income of insurance companies.

Medical insurance reimbursement conditions:

1. Confirm the insured status: before seeking medical treatment, you need to confirm that you have participated in local medical insurance, which can be confirmed by means of social security card and medical insurance certificate;

2. Medical category: Medical insurance generally only reimburses therapeutic medical behaviors, such as outpatient service, hospitalization, surgery and examination. Some cosmetic medical behaviors, such as dental beauty and plastic surgery, are usually not covered by medical insurance reimbursement;

3. Medical expenses: Medical insurance will only reimburse medical expenses that meet the requirements, such as medical expenses, medicine expenses, examination expenses, operation expenses, etc. Personal expenses, medical insurance will not be reimbursed;

4. Hospital qualification: Medical insurance will only reimburse the medical expenses of legally operated medical institutions, such as public hospitals and qualified private hospitals. Medical insurance will not be reimbursed for illegal medical institutions or clinics.

To sum up, you can consult your local medical insurance institution or stomatological hospital.

Legal basis:

Article 28 of People's Republic of China (PRC) Social Insurance Law

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

Article 29

The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business 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.