The overall fund for drug purchase is one of the important components of the medical insurance fund, which is mainly used to pay the expenses of the insured for drug purchase. The payment ratio of the overall fund for drug purchase refers to the part of the medical insurance fund dedicated to paying the drug expenses, and it is also one of the important means to control the expenditure of the medical insurance fund. Different regions and medical insurance policies have slightly different settings for the payment ratio of the drug purchase pooling fund, which is generally between 50% and 90%. In addition to the payment ratio, there are also some restrictions on the overall fund for drug purchase. For example, drugs that are not in the medical insurance catalogue cannot be paid by the drug purchase fund and need to be paid at their own expense. In addition, for some high-priced drugs, the payment ratio of the drug purchase fund may be reduced or cancelled accordingly. For the insured, it is very important to know the payment ratio and restrictions of the drug purchase fund. When purchasing drugs, it is best to consult medical insurance institutions or pharmacies first to understand the current payment ratio and reimbursement scope, so as to avoid economic losses caused by not understanding relevant policies.
What should I do if I need to buy expensive medicine? For some high-priced drugs, the proportion of drug purchase fund payment can be reduced or cancelled accordingly. However, the insured can apply for medical insurance reimbursement or get cost support through other channels, such as social assistance. It is recommended to consult relevant departments or professionals to understand the specific drug purchase policies and compensation methods.
The payment ratio of the overall fund for drug purchase is the part of the medical insurance fund used to pay for drugs. Insured personnel should know the specific payment ratio and restrictions in the area where they are located, and actively consult relevant departments or professionals when purchasing drugs to avoid economic losses caused by ignorance of policies.
Legal basis:
List of drugs for basic medical insurance for urban workers and its implementation measures Article 33 When purchasing drugs paid by basic medical insurance for urban workers, the social security number shall be presented at the medical institution or pharmacy, and the part paid by the drug purchase pooling fund shall be paid in proportion with reference to the provisions of Article 42 of these measures.