What does medical insurance class B mean?

Class B medical insurance is a kind of medicine that the basic medical insurance fund can pay part of the expenses. Medical insurance class B refers to the drugs in the list of basic medical insurance drugs that the basic medical insurance fund has the ability to pay part of the expenses. For the expenses incurred by using such drugs, the insured person needs to pay a certain proportion of the expenses first, and the rest will be paid by the basic medical insurance fund according to the regulations. The specific out-of-pocket proportion of Class B drugs will vary according to local policies, and the out-of-pocket proportion of Class B drugs is between 65,438+00% and 30%. This means that when the insured uses Class B drugs, they need to bear part of the expenses themselves, and the rest can be reimbursed through medical insurance. For example, if the cost of a class B drug is 100 yuan, and the out-of-pocket ratio is 20%, then the insured needs to pay for 20 yuan, and the rest of 80 yuan can be reimbursed according to the local medical insurance regulations. Medical insurance, referred to as medical insurance for short, is a social security system, which aims to provide economic compensation for medical expenses incurred by the insured due to illness or accidental injury. China's basic medical insurance system mainly includes basic medical insurance for urban workers and basic medical insurance for urban and rural residents.