How do employees pay social security to reimburse medical insurance cards?

1. The medical insurance is divided into two accounts, the personal account, and the money reflected by the medical insurance card can be used to buy medicines at designated pharmacies, and the individual pays for outpatient expenses and hospitalization expenses; The overall account is managed by the medical insurance center, and the expenses incurred by the insured who meet the local medical insurance reimbursement are paid by the overall account.

2. When seeing a doctor, show the medical insurance card to the designated hospital to prove the identity and registration of the insured. The part of medical insurance reimbursement is settled by medical insurance and hospitals, and individuals do not need to pay in advance before reimbursement. At the time of checkout, the part paid by the individual is paid by the balance of the medical insurance card and cash.

3. There is a deductible when reimbursement for hospitalization (the deductible standard is generally 10% of the average annual salary of employees in the city last year), which means that you need to pay the deductible yourself, and the part that exceeds the deductible can be reimbursed according to local medical insurance regulations. The reimbursement rate varies from place to place, and different hospitals and different projects are also different. I can't give it to you specifically, about 80%. You can go to the local area to learn more about it.

The newly insured business card printing takes two months to get the card. Are you dealing with medical insurance for urban workers, residents or flexible employees? Different kinds of enjoyment have different proportions and time. Take the medical insurance for flexible employees, you must pay the normal fee for half a year to enjoy hospitalization.

No matter what kind of medical insurance, you need to go to a designated hospital for medical treatment or hospitalization-a designated medical insurance hospital (or live in Baoding). Such hospitals use a unified medical insurance system to swipe their cards.

The so-called "reimbursement" for medical treatment with medical insurance card is not the original idea of paying cash by invoice, but the medical insurance system recognizes the cardholder's payment and personnel identity by reading the card. When outpatient payment or discharge settlement is made, the system will automatically deduct the personal account amount of the cardholder's medical insurance card or collect cash for medical treatment. In other words, if you use a medical insurance card to see a doctor, you don't have to pay cash or pay less cash, and social security will "reimburse" you.

As for the specific payment ratio and scope restrictions, there are many, such as drugs, treatment, class A, class B, and self-financing. , which is different from "reimbursement ratio"; Different hospital levels have different "threshold fees" for hospitalization; The "threshold fee" for the first hospitalization during the year is different from that for later hospitalization; On-the-job and retired "reimbursement ratio" is different; The "reimbursement ratio" of civil servants and non-civil servants is also different ... In any case, all the "reimbursement" conditions are set in a unified medical insurance system and will not be caused by personal reasons or hospital reasons.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.