What's your health insurance card account balance? How to check? The most complete guide is here!

For office workers, it is crucial to participate in social health insurance, which provides coverage for medical expenses and is one of the main components of health insurance. In addition to making regular social security payments, it's equally critical to know your health insurance account information!

How do I use my Medicare account balance?

Medicare can generally be categorized into two different accounts, the individual account and the coordinated account. The details are as follows:

I. Individual Account

The expenses that can be paid from the individual account include: outpatient and emergency medical expenses, the cost of medicines purchased from designated medical insurance retail pharmacies, medical expenses below the starting standard of the general fund of the basic medical insurance, the costs of purchasing commercial insurance for the person himself or herself, accidental injuries, and so on, and expenses exceeding the starting standard of the general fund of the basic medical insurance, which will be borne by the individual in proportion to the cost. The starting payment standard of the basic medical insurance fund is exceeded, and the individual shall bear the proportion of the expenses payable by him/her, and the individual account shall pay the part of the expenses that is not paid by him/herself.

Second, the integrated account

The integrated account mainly pays for the medical expenses of inpatient treatment, the medical expenses within seven days prior to hospitalization of patients admitted to inpatient treatment after emergency rescue, and the outpatient medical expenses of radiation therapy for malignant tumors, renal dialysis, and anti-rejection medication after renal transplantation.

In addition, the use of health insurance card participants need to pay attention to, in any unit or individual shall not violate the requirements and scope of use of health insurance card, is strictly prohibited to cash. And because of alcoholism, suicide, self-inflicted injuries and other reasons for treatment; because of their own fights, drug abuse or other illegal behavior caused by their own injuries; in non-designated medical institutions or non-designated retail drugstores to buy drugs; due to traffic accidents, medical accidents or other accidents caused by the responsibility of the injuries, the medical insurance is not to be paid.

How can I check the balance of my medical insurance account?

There are several ways to check the balance of your medical insurance account:

A...

1...in the "me" option, click on wallet. 2...click on the city's wallet. 3...click on the "wallet" button. 4...click on the "wallet" button. 5...click on the "wallet" button. 6...click on the "wallet" button. The first thing you need to do is to click on the city services in the WeChat wallet. 3, click on the social security query. 4, there is a "detailed information on participation" and a "payment information query". 5, click on the payment information query, we can see the last month of social security, and the unpaid month, you can know whether the company has helped to pay for the month. Clicking on the "Contribution Information Inquiry", we can see the last paid month and the unpaid month, so that we can know whether the company has helped to pay the social security. 6.Clicking on the "Contribution Information Inquiry", we can inquire into the account's participation summary information. (such as the amount of the account, how many months of fees paid)

Two, Alipay query

1, find "more", click to enter. 2, in the convenient life section to find "city services "3, in the government section to find" social security services "option, click to enter the next page. 4, social security card services page, you can find" social security card balance "option, click to enter. 5, in the balance inquiry page You can see the account balance.

Third, other inquiries

1, the insured workers can call 12333 for balance inquiries. 2, in the city designated hospitals, pharmacies inquiries. Fourth, the website query: 1, login to the city's social security card information network. 2, the user login interface, in the text box, enter the individual social security card insurance number and password, the initial password: 123456. 3, in the list on the left to find the "account balance" option, click on the right side of the balance of your medical insurance account can be seen.

What can't I get reimbursed by my health insurance?

We all know that health insurance can be used for reimbursement, but not in all cases.

These four items are excluded from reimbursement:

1. Not receiving treatment at a designated hospital

We all know that the health insurance card can only be used at a designated hospital. Otherwise, whether you are sick or buy medicine, you can't be reimbursed and have to pay for it yourself.

2. Medical expenses exceed the limit of medical insurance

Due to the huge population base and the pressure of medical insurance reimbursement, there is also an upper limit of the amount of medical insurance reimbursement, but in most cases, this is enough.

3. Medical expenses are below the reimbursement limit of health insurance

In fact, health insurance has not only an upper limit, but also a lower limit. Therefore, medical expenses are too low to be reimbursed. Depending on the actual level of the country's economic development, the starting point is usually between $100 and $1,800. If the cost is too low, it will not meet the insurance threshold and you will have to pay for it yourself.

4, special medical

Medical expenses incurred by the insured due to plastic surgery, weight loss, etc. are not reimbursed. In recent years, with the development of science and technology, people have more demands on their appearance, so people want to become better, but these are not covered by medical reimbursement. As the new year has begun, these new medical reimbursement regulations will come into effect, and health insurance will become even more important. But health insurance is not everything, and the actual reimbursement will depend on the actual situation, so we need to keep a close eye on the changes and also remember to pay for health insurance even if we do.

Today's sharing of knowledge about health insurance personal account queries has come to an end, and if you want to learn more about insurance, search on Baidu "Baojun", where there is a team of professional insurance consultants, not only for you to answer a variety of insurance questions, but also for you to customize their own unique insurance products!