What is the self-funded medicine for medical insurance?

1. Drugs that are not recognized by medical insurance such as Class A and Class B in the medical insurance catalogue are all self-funded drugs.

2. Self-funded medical insurance cards can be negotiated in medical insurance pharmacies, but not in medical insurance hospitals.

3. Medical insurance stipulates that the personal account balance on the medical insurance card can only be used to pay basic medical expenses, and cannot be used for the self-funded part.

Therefore, self-funded drugs cannot be reimbursed.

All Class A drugs are reimbursed, and Class B drugs are reimbursed by 70-80%.

Class A drugs refer to drugs formulated by the state and widely used in clinic, and the expenses are paid according to the provisions of the basic medical insurance measures.

Class B drugs refer to drugs that the basic medical insurance fund has the ability to pay part of the expenses. The expenses incurred in the use of such drugs shall be paid by the employees themselves first, and then included in the scope of payment of the basic medical insurance fund, and paid according to the provisions of the basic medical insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.