The difference between social security card registration and self-funded registration

The difference between social security card registration and self-funded registration is as follows:

1. If you register with social security, the doctor must use a prescription for medical insurance, and fill in the unit and medical insurance card number in detail; If it is at their own expense, the doctor will write a lot less;

2. Patients who use medical insurance during hospitalization and patients who pay their own expenses are managed separately, because it is convenient for superiors to check. Social security patients have more requirements for hospitalization days, medical record writing and medication.

If you use medical insurance, the state will reimburse a considerable part of medical expenses, but if you pay for it at your own expense, you will have to bear 100% of the expenses. But not every medicine can be reimbursed, so generally speaking, hospitals will ask whether to use medical insurance or pay for themselves before seeing a doctor. If it is medical insurance, it will try to prescribe some state-subsidized drugs. Moreover, if you see a doctor at your own expense, the doctor will prescribe some drugs that are out of range, which requires the patient's consent. Strict hospitals will also require patients to sign self-funded consent forms.

First, the specific steps of using social security card to see a doctor:

To go to the hospital, you must register first. You can register directly with the social security card. If there is money in the social security card, you can directly deduct the registration fee.

Hang up the number and go to the corresponding department to see a doctor. At this time, you should also give the doctor a social security card. Doctors need to use social security cards for diagnosis, prescription and medicine. After the doctor has prescribed the medicine, he must first pay the fee at the machine or window with the social security card. After paying the fee, he can go to the window to show the bill and get the medicine.

If we need to be hospitalized, the doctor will tell us that we need to be hospitalized and go to the inpatient department to go through the hospitalization procedures. At this time, you must show your social security card registration information;

When the medical expenses are discharged from the hospital, the hospital will directly deduct the corresponding reimbursement expenses according to the preferential amount enjoyed by the social security card, and only accept the actual payment.

Two, the characteristics of medical insurance are as follows:

1, the object is universal, that is, medical insurance is everywhere, everyone has the possibility of getting sick, and it is difficult to get rid of it, so this kind of insurance includes every citizen in society and covers a wide range of objects;

2. The fields involved are extensive and complex, not only permeated with various rights and obligations, such as doctors, patients, employers, etc. It can also effectively induce and control the behavior of people who enjoy medical services and provide services. Medical insurance is not only related to the economic development of the country, but also to the supply and demand of medical services;

3. The risk of illness is sudden and frequent, not determined by people's subjective will, so it is decided that the payment of medical insurance is also short-term and frequent;

4. The form of compensation is special, because everyone lives in different areas, suffers from different diseases and spends different medical expenses, so it is decided that medical insurance should be paid according to the actual situation, which varies from person to person and from place to place.

Third, the process of using social security in designated hospitals.

When you go to a designated hospital for medical treatment, you can show your medical insurance card to prove your insured identity and registration. Individuals can directly settle the part of medical insurance reimbursement by medical insurance and hospitals, without paying fees first and then reimbursing. Only when the account is settled can the self-funded part be paid with the balance of the medical insurance card or cash.

There is a deductible for hospitalization reimbursement (the deductible standard is generally 65438+ 00% of the average annual salary of employees in the city last year), that is to say, the deductible needs to be paid by yourself, and the part that exceeds the deductible can be reimbursed according to local medical insurance regulations. The reimbursement rate varies from place to place, and different projects in different hospitals are different, about 80%. Specifically, you can go to the local labor security.

If a patient with a medical insurance card wants to go to the hospital after getting sick, the process of taking the medical insurance card to the designated medical insurance unit for medical treatment and hospitalization is as follows: holding the medical insurance manual and IC card-hospital medical insurance office registration-audit card-paying hospitalization deposit-hospitalization-self-funded items need the patient's consent and signature-cash or IC card settlement Qifubiaozhun and the self-paid part of the self-paid ratio-paying in advance in the hospital as a whole-settlement and discharge.

legal ground

Measures of the People's Republic of China on the Administration of Social Security Cards

Article 2 The term "social security card" as mentioned in these Measures refers to an integrated circuit card issued to the public and mainly used for government social management and public services in the fields of human resources and social security.

Social security card is a electronic certificate for cardholders to enjoy the rights and interests of social security and public employment services. It has the basic functions of information recording, information inquiry and business handling.

Article 7 To apply for issuing social security cards, the following materials shall be submitted:

(1) Fill in a complete social security card issuance registration application form;

(2) An explanation of the preparation for the issuance of social security cards;

(3) The application fields and application file structures in the card that meet the requirements of the national unified specifications (including the application fields and indicators of local expansion);

(four) the card face style designed according to the unified requirements;

(five) the measures for the administration of social security cards in this area and the detailed rules for their implementation;

(six) other materials required by Ministry of Human Resources and Social Security.