If you run out of money on your medical insurance card, you can still enjoy discounts.

After the balance of the medical insurance card is gone, you have to pay cash to buy medicine and see a doctor, but this does not affect the medical insurance benefits. If you are hospitalized, you will still be reimbursed.

At present, no money in the medical insurance card means that there is no money in the personal account. The personal account can be used to buy medicines at designated pharmacies, and can be used to pay for outpatient expenses and the personal out-of-pocket portion of hospitalization expenses.

Because the expenses in the medical insurance card are expenses in our personal accounts, and the reimbursement of the medical insurance card uses a reimbursement coordinated by our country. The payment of this overall expense is paid by the enterprise and funded by our country.

Go for a reimbursement from medical insurance.

So it doesn’t matter if we have no money in our medical insurance card. It won’t affect our reimbursement. It’s just that we no longer have money for outpatient registration and drug purchases at pharmacies.

However, our medical insurance needs to continue to pay before we can be reimbursed. If the medical insurance stops paying, we will not be able to be reimbursed.

The part of the discount that users can enjoy is determined based on the balance in the medical insurance card coordination account.

Even if there is not a penny in the medical insurance card, as long as the medical insurance is in normal condition, you can continue to enjoy medical reimbursement.

However, it should be noted that if there is no money in the medical insurance card, the out-of-pocket part can only be paid in cash, and cannot be advanced from the medical insurance card.

In general, you can still enjoy discounts if you don’t have any money on your medical insurance card.

Reimbursement involves the money in the overall account, so the lack of money in the personal account has little impact on the user.

The medical insurance pooling account belongs to social funds and will not be used up because there are subsidies for others.

Legal basis: Article 28 of the "Social Insurance Law of the People's Republic of China" meets the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue medical expenses, and shall be deducted from the basic medical insurance fund in accordance with national regulations.

Pay.

Article 29 The part of the medical expenses of the insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance agency and the medical institution and pharmaceutical business unit.

The social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in other places to facilitate insured persons to enjoy basic medical insurance benefits.