Medical insurance is omnipotent, but medical insurance card is not omnipotent. In other areas, the settlement system of medical expenses for medical treatment in different places has been established, and the medical insurance card can be used in different places, but it has not been extended to the national level. If the above-mentioned system is not established in other regions, it can not be used in other regions, but only in the local area. The medical insurance card is divided into two accounts, the personal account, and the money reflected by the medical insurance card can be used to buy medicines at designated pharmacies, pay outpatient expenses and pay the part that the individual pays for hospitalization expenses; 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, and the deductible standard is 10% of the average annual salary of employees in the city last year. In other words, the deductible needs to be paid by yourself, and the part beyond the deductible can be reimbursed according to local medical insurance regulations. The reimbursement rate varies from place to place, and different projects in different hospitals are different, about 80%. You can go to the local labor and social security online for details.
Legal basis:
People's Republic of China (PRC) social insurance law
Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.
Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.
Twenty-ninth medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by the social insurance agency, 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.