Medical insurance refers to social medical insurance, which is a social insurance system established to provide basic medical needs for workers within the scope of protection. The basic medical insurance premiums paid by individual employees are all included in individual accounts; The basic medical insurance premium paid by the employer is divided into two parts, one part is included in the personal account, and the other part is used to establish the overall fund. In this paper, please introduce the relevant knowledge of Huanggang medical insurance reimbursement. It mainly includes Huanggang medical insurance reimbursement process, Huanggang medical insurance reimbursement ratio, Huanggang medical insurance reimbursement policy and other information.

I. Huanggang medical insurance reimbursement process and required materials 1. After the insured patients are discharged from the hospital, they should submit a copy of the first page of medical records (with the seal of the medical insurance department of the hospital), a discharge summary, a receipt of hospitalization expenses, a detailed list of hospitalization expenses (one-day list), a copy of medical insurance cash payment form, a discharge certificate and a copy of ID card to the medical insurance agency every month 1 before applying.

2, medical insurance agencies after accepting, review the relevant materials. If the application materials are incomplete, the materials will be returned on the spot, and the materials that need to be completed will be informed at one time.

3. If the application materials are complete, the person in charge of the medical insurance agency shall sign for approval and pay the corresponding insurance money.

Two. Proportion of medical insurance reimbursement and related policies in Huanggang City;

1. After the emergency treatment in the hospital, the medical expenses above 1800 yuan can be reimbursed, and the reimbursement rate is 50%;

2. If it is a retiree under 70 years old,1.The expenses above 300 yuan can be reimbursed, and the reimbursement rate is 70%;

3. For retirees over 70 years old,1.80% of the expenses above 300 yuan can be reimbursed.

Note: No matter what kind of people, the maximum payment limit for outpatient and emergency medical expenses is 20,000 yuan.

In case of hospitalization expenses, employees and retirees should pay the minimum amount 1300 yuan when using the basic medical insurance for the first time in a year.

And the second and subsequent hospitalization medical expenses, Qifubiaozhun is determined by 50%, which is 650 yuan. The maximum annual payment limit (hospitalization expenses) of the basic medical insurance pooling fund is currently 70,000 yuan.

The hospitalization reimbursement standard is related to the hospital level where the insured lives:

Note: If you live in a tertiary hospital.

1, from qifubiaozhun to 30,000 yuan, the employee pays 15%, which means 85% reimbursement;

2, 30,000 yuan to 40,000 yuan, the employee's individual contribution 10%, 90% reimbursement;

3. 95% of the part exceeding the maximum payment limit of 40,000 yuan can be reimbursed, as long as the employee pays 5%;

4. Retirees pay 60% of the employees.