What's the difference between Class B and Class A of medical insurance?

The difference between Class A medical insurance and Class B medical insurance lies in:

1. Class A medical insurance reimburses Class A drugs, and Class B medical insurance reimburses Class B drugs. Class A drugs are formulated by the state, which are necessary for clinical treatment, and the price is lower among similar drugs, so they must be sold in pharmacies. Class B drugs refer to drugs that can provide clinical treatment options, with good curative effect and high price. They can be sold not only in pharmacies, but also in ordinary enterprises and other places.

2. Class A drugs can be fully reimbursed, class B drugs can be partially reimbursed, and some of them should be paid by themselves. The reimbursement ratio varies according to the relevant policies in different regions.

3. The OTC logo of Class A drugs is generally red, while the OTC logo of Class B drugs is green, and Class B drugs are safer.

Medical Insurance The basic medical insurance drug list consists of two parts: the drug list and the drug list.

Medical insurance refers to the abbreviation of medical insurance, which is divided into social medical insurance and commercial medical insurance. The medical insurance we usually pay for urban workers and urban and rural residents belongs to social medical insurance.

The so-called social medical insurance belongs to the broad category of social insurance and is one of the contents of China's social security system construction. Social medical insurance is directly managed by the government, and the medical fund is established through joint financing by the state, units and individuals. The medical insurance fee paid by us is a way of financing the medical insurance fund.

Social medical insurance is established according to the spirit of the State Council's Decision on Establishing the Basic Medical Insurance System for Urban Workers and the State Council's Opinions on Integrating the Basic Medical Insurance System for Urban and Rural Residents. The former mainly solves the problem of medical insurance for employees, while the latter solves the problem of medical insurance for residents.

Employee medical insurance and resident medical insurance belong to two different medical insurance systems, but both of them belong to social medical insurance in nature. When the insured pays these two medical insurances, they can actually achieve system convergence through mutual transfer.

Compared with urban and rural residents' medical insurance, urban workers' medical insurance enjoys different benefits because of different payment standards and different insured persons. This kind of treatment is mainly reflected in the proportion of reimbursement during hospitalization, the proportion of reimbursement for special clinics, the establishment and return of personal accounts and so on. However, whether it is employee medical insurance or resident medical insurance, the process of hospitalization reimbursement is the same.

When the insured person goes to the hospital when he is sick, the doctor will ask if there is medical insurance. For people with medical insurance, medical expenses during hospitalization are generally not paid by individuals. When going through the hospitalization formalities, you need to submit your social security card or ID card to the hospital and pay the threshold fee according to the regulations of the hospital. This is the minimum payment standard.

Qifubiaozhun is determined according to the level of the hospital, which is divided into four levels: township community hospitals, first-class hospitals, second-class hospitals and third-class hospitals. The higher the level, the higher the threshold.