How to judge drugs other than auto insurance and medical insurance

Drugs other than auto insurance and medical insurance belong to Class C drugs that account for 100% of medical expenses outside social security and drugs that need to be purchased outside the hospital.

Let me talk about the scope of social security reimbursement first. Our national drug list is divided into three categories: A, B and C, among which A and B belong to the social security list. Class A drugs can be reimbursed by social security 100%, and class B drugs need to pay 10%-50%. Class C drugs are outside the social security catalogue, and social security is not reimbursed, and they are all at their own expense.

According to different diseases, the proportion of social security reimbursement is about 50-80%, and a large part needs to be paid by itself. Therefore, it is particularly important to insure basic commercial insurance for external use of social security drugs.

External drugs refer to drugs that often encounter diseases, and some expensive imported drugs may be used, or they may enter medical insurance. However, hospitals implement "medical insurance control fees" and strictly control them, and even cannot prescribe drugs. At this time, the doctor may advise the patient to buy it outside the hospital, which is called "outsourcing medicine".