Medical insurance is divided into two accounts, personal account, and the money reflected by medical insurance card can be bought at designated pharmacies, and the payment of outpatient expenses and hospitalization expenses is paid by individuals. The overall account is managed by the medical insurance center, and the expenses incurred by the insured who meet the local medical insurance reimbursement are paid by the overall account.
When seeking medical treatment, show the medical insurance card to the designated hospital to prove the identity and registration of the insured. The part of medical insurance reimbursement is settled by medical insurance and hospitals, and individuals do not need to pay in advance before reimbursement. At the time of checkout, the part paid by the individual is paid by the balance of the medical insurance card and cash.
There is a deductible line for hospitalization reimbursement (the deductible line standard is generally 10% of the average annual salary of employees in the city last year), that is, the money I need to pay from the deductible line can be reimbursed according to local medical insurance regulations. The proportion of reimbursement varies from place to place, and different projects in different hospitals are also different.
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Extended data:
Precautions:
1. The medical insurance card is mainly used for payment and reimbursement of medical expenses in medical insurance coverage. Insured persons should take the initiative to show their social security cards when registering, seeing a doctor, charging, reimbursing and checking in relevant units.
2. The medical insurance card shall not be transferred, traded, mortgaged, leased or lent. Insured personnel should keep this card properly. If the medical insurance card is lost, it shall be reported in time. The insured shall reimburse the medical expenses incurred during this period within 5 working days from the date when the social security agency window accepts the application for loss reporting or replacement of the social security card.
3. I must take the medical insurance card to the designated medical institutions and retail pharmacies in this city for medical treatment and drug purchase, otherwise the medical expenses will not be paid by the medical insurance fund, and the insured will review and confirm the expenses when settling with the card.
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