The subjectivity of law: 1. How does Hubei's medical insurance reimbursement policy stipulate that urban workers' medical insurance should be coordinated at the municipal level, and the city should unify its policies, standards and handling procedures? Insured persons can purchase medicines at designated medical institutions and retail pharmacies with medical insurance cards, and their medical expenses can be settled directly by credit card. When purchasing drugs, they are not included in the overall social planning, and all of them are paid by personal accounts. If the personal account runs out of funds, you can pay in cash. Second, the hospitalization medical insurance reimbursement process and matters needing attention 1. When entering or leaving the hospital, you must go through the registration formalities with the medical insurance IC card at the medical insurance management window of each designated medical institution. When in hospital, the individual pays the deposit of medical expenses in advance, and pays more and less after discharge. Medical expenses incurred before hospitalization registration are not included in the payment scope of basic medical insurance. If the emergency hospitalization fails to go through the hospitalization registration formalities in time, the emergency certificate should be used to go through the hospitalization formalities at the medical insurance management window the day after admission (postponed in case of holidays), and the overdue medical expenses should be borne by themselves. 2. After the insured is hospitalized, the deductible line of the overall fund is different from place to place, which is generally 10% of the average annual salary of employees in the whole city in the previous year. In a basic medical insurance settlement year, the medical expenses for multiple hospitalizations are calculated cumulatively. 3. If the insured person needs to be referred or transferred due to illness, the deputy chief physician or chief physician of the designated medical institution at or above the third level shall put forward the opinions of referral (hospital) after diagnosis, and the unit to which he belongs shall fill in the application form and go through the referral (hospital) formalities with the approval of the medical insurance management department of the designated medical institution. The transfer is limited to provincial specialized hospitals, and the expenses are paid by me first. The reimbursement standard is 10% first, and then the reimbursable amount is calculated according to local regulations. 4. When the designated medical institutions are discharged from the hospital, the designated medical institutions will calculate the reimbursement amount of medical insurance and the amount that individuals should pay. The reimbursement amount will be settled by the designated medical institutions and urban social insurance agencies, and the amount that individuals should pay will be settled by the designated medical institutions and the insured. Social medical insurance is an indispensable insurance for us to enjoy preferential medical policies. In order to protect our legitimate interests, we can ask enterprises to buy medical insurance when they are employed. Objectivity of law: Article 29 of the Social Insurance Law of People's Republic of China (PRC) stipulates that the part of the insured's medical expenses that should be paid by the basic medical insurance fund shall be directly settled by social insurance agencies, medical institutions and pharmaceutical trading 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.