Medical insurance cards usually offer discounts for prescribing medicines, but policies vary in different regions. Sometimes it may be more expensive to buy medicines with a medical insurance card than to buy medicines directly with cash. The specific local policies shall prevail.

If you use a medical insurance card to buy medicines, you can only buy medicines in the "Medical Insurance Catalog", which are mainly basic medicines. Health care products are not included in the scope.

When the money in the medical insurance card is used to purchase medicines, the money is directly deducted from the medical insurance card. If the money in the card is enough to pay, there is no need to pay in cash.

Legal analysis: There is no discount for buying medicines with a medical insurance card. However, pharmacies have certain discounts on membership days. You can swipe the card to buy medicines on designated dates. If you go to a hospital outpatient department, there will be certain restrictions on the medicines you can buy. Pharmacies are relatively loose, and you can still buy medicines.

Buy health products.

Legal basis: Article 2 of the "Social Insurance Law of the People's Republic of China" The state establishes basic pension insurance, basic medical insurance, work-related injury insurance, unemployment insurance, maternity insurance and other social insurance systems to protect citizens in the event of old age, illness, work-related injury,

The right to obtain material assistance from the state and society in accordance with the law in cases of unemployment, childbirth, etc.

Article 26 The treatment standards of basic medical insurance for employees, new rural cooperative medical insurance and basic medical insurance for urban residents shall be implemented in accordance with national regulations.

Article 28 Medical expenses that comply with the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue expenses shall be paid from the basic medical insurance fund in accordance with national regulations.