Where is the money for medical insurance reimbursement? Will you get a personal social security card? Do I still need to pay the medical expenses in advance?

Medical insurance refers to social medical insurance. Social medical insurance is a social security system created by the state and society according to certain relevant laws and regulations to ensure that employees within the scope of insurance have basic medical service needs when they are sick. Basically, the medical insurance fund consists of overall funds and personal accounts, and the most basic medical insurance premiums paid by employees themselves are all credited to personal accounts; Basically, the medical insurance premiums paid by employers are divided into two categories, some of which are classified into personal accounts and some are used to create overall funds.

The reimbursement amount of cooperative medical care is a part of the reimbursement amount of cooperative medical care for those who are hospitalized in the overall planning area. It doesn't need to use my social security card or other savings card. Most of them refer to hospital outpatient real-time settlement. After the hospital outpatient deposit, the expenses will be reimbursed to the medical insurance unit, and I will not be reimbursed after the deposit.

According to the relevant provisions of the medical security system in all parts of the country, whether it is employees who pay medical insurance or urban residents who pay medical insurance premiums, the reimbursement of expenses only involves medical expenses or unique outpatient expenses and chronic disease outpatient expenses. For example, the medical insurance for employees in Chongqing is collected according to the overall planning at the prefecture and city levels.

According to the relevant provisions of the medical security system for urban and rural residents in Chongqing, as long as you see a doctor in all designated secondary hospitals in Chongqing, you must make real-time settlement in the outpatient department, that is, special outpatient expenses such as hospitalization expenses reimbursed by medical insurance are paid by the outpatient department. After discharge, patients only need to pay their own part at their own expense, and there is no need for medical insurance departments to reimburse them after discharge.

According to the relevant regulations of Chongqing, anyone who is hospitalized in a tertiary hospital in Chongqing needs the permission of the medical insurance unit in his county before he can be hospitalized in a tertiary hospital outside the county. If the medical insurance unit in the county allows you to go to a tertiary hospital outside the county.

The reimbursement method is still the same as hospitalization in a secondary hospital. After the enterprise advances the medical expenses, it does not need to go back to the county medical insurance unit to reimburse the medical expenses; However, if you are hospitalized in a tertiary hospital in other counties without the consent of the medical insurance unit in your county, you need to pay medical expenses in advance, and then apply for reimbursement according to your hospitalization information after you leave the clinic.

Some patients were hospitalized in a specific hospital outside Chongqing, and they had completed medical treatment in different places before hospitalization. Hospitalization expenses are settled in real time according to the medical settlement platform of the national medical insurance platform, and there is no need to pay medical expenses in person; However, there is no record of medical treatment in different places before hospitalization, so medical expenses should be paid in advance. After discharge, the district and county medical insurance units will return the medical information from different places to the district and county medical insurance departments for reimbursement.

After being hospitalized in different places, you can go back to the medical insurance institution where the beneficiary is located to apply for expense reimbursement. The expense reimbursement income does not have to be transferred to the social security card, and the reimburser can transfer the assets of the cooperative medical system to which account in a planned way according to his own situation.

If it is a social security card, it depends on its financial function, not the personal medical insurance account in the social security card. If hospitalization reimbursement expenses must be transferred to the social security card, you need to activate the accounting account of the social security card first. If the financial function requires you to bind the social security card at a bank outlet, your reimbursement expenses for cooperative medical care can only be transferred to the social security card after the bookkeeping account of the social security card is activated and obtained normally.

If the reimbursement expenses of cooperative medical care are transferred to the financial function in the social security card, you can use the social security card to withdraw money at the ATM of each business outlet like many savings cards; If you have handled the mobile banking business, you can transfer money according to the mobile online banking application software. If you are associated with a third-party payment special tool such as WeChat or Alipay, you can transfer money in WeChat or PayPal like other savings cards.

Generally speaking, medical insurance reimbursement rarely reaches the level of my social security card. In general, real-time settlement and expense reimbursement are carried out in the hospital. Only when I go to a specific hospital for medical treatment in a different place without filing, can I reimburse the insured's medical insurance institution after paying the medical expenses in advance. After the expenses are reimbursed, the money paid to the social security card is generally paid to the social security card account, and everyone can deposit the money like many savings cards.