As an advanced medical examination method, genetic testing can effectively diagnose some rare diseases and hereditary diseases. But its cost is high, which brings great burden to patients and families. Therefore, many people are eager to relieve the economic pressure through medical insurance reimbursement. However, at present, there is no uniform standard for the proportion of medical insurance reimbursement for genetic testing, and the regulations in different regions are slightly different. Generally speaking, the high proportion of medical insurance reimbursement for genetic testing is mainly concentrated in special circumstances such as rare diseases. For example, the upper limit of personal account payment of basic medical insurance in Beijing can cover more than 70% of the cost of genetic testing for rare diseases, up to 90%; Chongqing Provincial Fund Medical Assistance for Rare Diseases Co-ordination Project can reimburse 80% of the cost of genetic testing for rare diseases. However, in other general cases, the proportion of medical insurance reimbursement is low. It should be noted that no matter what kind of genetic testing, it must meet the relevant medical standards and norms, be conducted by professional medical institutions, and submit applications in accordance with relevant regulations. At the same time, patients need to go through relevant medical insurance procedures and learn about local medical insurance policies and reimbursement rates through channels such as hospitals or medical insurance departments.
If genetic testing is not covered by medical insurance reimbursement, how to reduce the economic burden? If genetic testing is not covered by medical insurance reimbursement, the economic burden can be reduced by the following ways: 1. Understand the charging standards of medical institutions and choose genetic testing items with appropriate prices; 2. Ask whether hospitals and medical institutions have preferential policies, such as discounts and free services; 3. Choose a third-party testing organization with good reputation and transparent price; 4. Consult a family doctor or a professional doctor to inquire about the necessity of testing items in detail to avoid unnecessary waste.
At present, there is no uniform standard for the proportion of medical insurance reimbursement for genetic testing, and the regulations in different regions are slightly different. However, for genetic testing under special circumstances such as rare diseases, medical insurance in some areas can provide a higher reimbursement rate. It should be noted that genetic testing needs to follow relevant medical standards and norms and handle relevant medical insurance procedures. At the same time, we can reduce the economic burden in many ways.
Legal basis:
"Basic medical insurance drug list and medical service items" Article 23 Designated medical insurance institutions shall implement the price of medical services in accordance with the provisions, and shall not collect the difference paid by patients in violation of the provisions; For the high-grade medical service items, medical consumables or drugs that patients voluntarily choose, the medical insurance department shall promptly announce the charging standards for each medical service item, medical consumables or drugs to let the insured know. It can be seen that designated medical insurance institutions need to follow the prescribed prices and fully announce the charging standards to ensure the rights and interests of patients.