How to distinguish between provincial medical insurance card and municipal medical insurance card

1, the nature of the units paid is different. To understand the difference between provincial medical insurance and municipal medical insurance, it is necessary to understand the units that pay provincial medical insurance and municipal medical insurance. Generally speaking, the units that pay provincial medical insurance are provincial units, that is, units that are managed vertically by the province, such as: Provincial Statistics Bureau, Provincial Development and Reform Commission, Provincial Economic Commission, Provincial Ethnic Affairs Commission, Provincial Population and Family Planning Commission, and Provincial Education Department. They have a special provincial medical insurance center to handle medical insurance affairs. Relatively speaking, the scope of enterprises paid by municipal medical insurance is relatively wide, and foreign-funded enterprises, joint ventures and private enterprises are mostly paid by municipal medical insurance.

2. The appropriate designated hospitals are different. Generally speaking, the scope of medical treatment of provincial medical insurance is wider than that of municipal medical insurance. Simply put, municipal medical insurance can only be treated in designated hospitals in the city. If you need cross-city medical treatment, you need referral, but provincial medical insurance does not. As long as you are treated in a designated hospital in the province, you don't need to refer.

3. The reimbursement rate is also different. Generally speaking, the reimbursement rate of provincial medical insurance is higher than that of municipal medical insurance. Generally speaking, the out-of-pocket rate of provincial medical insurance (that is, the hospitalization expenses paid by oneself) will not exceed 30%, while most municipal medical insurance is above 40%. Because of the different nature of the units that pay, the proportion of natural payment is also different. Generally speaking, provincial medical insurance is paid according to the highest standard, while municipal medical insurance is generally the lowest or middle proportion.

4. The institutions dealing with it are different:

Provincial medical insurance needs to go to the provincial pension planning institution or the provincial talent agency center to handle the corresponding business; Municipal medical insurance needs to be handled in the city's pension planning agency or the city's talent agency center. In addition to the above general differences, the contribution coefficients of individuals and units are 1: 1.

How to distinguish between municipal medical insurance and provincial medical insurance?

1, unit nature, as mentioned above, if it is not a civil servant but a provincial civil servant, it is basically a municipal medical insurance.

2. See where you pay your social security. For example, if it is paid to the Municipal Human Resources and Social Security Bureau, it is the municipal medical insurance. If it is a provincial medical insurance center, it is a provincial medical insurance.

3. The appearance of the card is different. In some areas, there are differences between provincial medical insurance cards and municipal medical insurance cards, which can also be used as a reference.

4. You can call the national unified social security consultation telephone number 12333.

5. You can bring your ID card to the local social insurance center.

Legal basis:

People's Republic of China (PRC) social insurance law

Twenty-third employees should participate in the basic medical insurance for employees, and the employer and employees should jointly pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.