How to use the second grade medical insurance

The way to use the second grade medical insurance is as follows:

1. When you see a doctor in the social health center, you should first use your social security card to register at the registration window, and then use your social security card to pay at the payment window after seeing the doctor (you can also use it to buy medicine, and the card has a balance of 1000 yuan per year).

2. If you need to go to the hospital to use it, you also need to apply for a referral at the social health center before you can use it.

Medical insurance second class is the second class of basic medical insurance. The concept of basic medical insurance first grade, second grade and third grade varies from region to region, and enterprise employee medical insurance is divided into three grades: basic medical first grade, basic medical second grade and basic medical third grade, with different contributions, treatment and adapted to the population.

Rural and urban residents of the medical insurance of the first and second class contributions of the insured residents, are entitled to basic medical insurance outpatient and hospitalization medical reimbursement and other health insurance treatment, which, the basic medical insurance reimbursement starting line of the first and second class contributions are the same, but there is a large gap in the basic medical insurance reimbursement ratio, the maximum reimbursement limit and other aspects.

For example, the reimbursement rate for the first class in the first, second and third class hospitals may be 80%, 60% and 40%, while the second class can reach 90%, 70% and 60%. The maximum reimbursement from the residents' basic medical insurance fund in a year is 180,000 yuan for a first-tier contribution, and 220,000 yuan for a second-tier contribution.

Of course, the amount of contribution will be different for different corresponding benefits. The second and third tiers will be much higher than the first, so residents need to choose the right health insurance contribution tier according to their own financial conditions.

Legal basis:

The People's Republic of China Social Insurance Law

Article 28: Medical expenses that are in accordance with the basic medical insurance drug list, diagnostic and treatment items, standards of medical service facilities, and those for emergency and rescue shall be paid out of the basic medical insurance fund in accordance with state regulations.

Article 29 The part of the medical expenses of the insured that should be paid by the basic medical insurance fund shall be settled directly between the social insurance administration organization and the medical institutions and drug business units.

The administrative departments of social insurance and the administrative departments of health shall establish a settlement system for medical expenses incurred for medical treatment in other places, so as to facilitate the enjoyment of basic medical insurance by insured persons.