First, understand the medical insurance policies and regulations
As a payment method of medical insurance, the use of medical insurance card is restricted by relevant policies and regulations. Cardholders should understand the provisions of the medical insurance policy on the settlement of medical expenses, as well as the handling methods when the balance of the medical insurance card is insufficient.
Second, pay at one's own expense and reimburse afterwards.
When the balance of the medical insurance card is insufficient, the cardholder can choose to pay the remaining medical expenses at his own expense. This part of the expenses can be reimbursed by the medical insurance department afterwards, but it needs to comply with the relevant provisions of the medical insurance policy. Cardholders should properly keep relevant medical expense invoices and reimbursement materials for future reimbursement.
Third, pay medical insurance fees.
If the cardholder wants to increase the balance in the medical insurance card, he can choose to pay the medical insurance fee. The specific payment method and amount should be determined according to the local medical insurance policy. After paying the medical insurance fee, the balance in the medical insurance card will increase accordingly, which can be used to pay the future medical expenses.
Four, consult the medical insurance department or medical institutions.
When dealing with the problem of insufficient balance of medical insurance card, cardholders can consult the local medical insurance department or medical institution to understand the specific treatment method and operation process. These institutions usually provide detailed guidance and help ensure that cardholders can properly solve the problem of insufficient balance of medical insurance cards.
To sum up:
When the money in the medical insurance card is not enough, the cardholder can solve it by reimbursing at his own expense, paying back the medical insurance expenses, consulting the medical insurance department or medical institutions. In the process of handling, cardholders should understand and abide by relevant medical insurance policies and regulations to ensure that their rights and interests are protected.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 27 provides that:
Individuals who participate in the basic medical insurance for employees will not pay the basic medical insurance premium after retirement and enjoy the basic medical insurance benefits in accordance with the provisions of the state if they reach the statutory retirement age and the accumulated payment has reached the fixed number of years stipulated by the state; Those who have not reached the fixed number of years prescribed by the state may pay the fees to the fixed number of years prescribed by the state.
This article stipulates that individuals who participate in the basic medical insurance for employees can enjoy the basic medical insurance benefits without paying the basic medical insurance premium after reaching the statutory retirement age and the accumulated payment has reached the prescribed number of years. For the case that the balance of the medical insurance card is insufficient, the cardholder can choose an appropriate way to deal with it according to the provisions of this law and the local medical insurance policy.
People's Republic of China (PRC) social insurance law
Article 30 provides that:
The following medical expenses are not included in the payment scope of the basic medical insurance fund:
(a) shall be paid by the industrial injury insurance fund;
(2) It shall be borne by a third party;
(three) shall be borne by public health;
(4) Go abroad for medical treatment.
Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.