What does Qifubiaozhun mean?

1. "deductible line" is the deductible standard of medical insurance. When the medical expenses can be reimbursed to a certain amount, they will be reimbursed. At this time, a certain amount is called "deductible". Taking urban workers as an example, the outpatient deductible line is 1.800 yuan. We know that the outpatient expenses within the "deductible line" are not within the scope of reimbursement and can only be paid by ourselves. Only when the reimbursable expenses reach 1800 yuan will they be reimbursed.

2. Therefore, medical insurance reimbursement expenses can only be reimbursed if they reach the deductible line. Are we all suffering? In fact, social security will transfer part of the money paid by your social security to your medical insurance account, and this part of the money can be taken out by yourself to make up for the deductible. Take the following table as an example, assuming that social security is paid on the basis of 20 14 social wage.

3. Can outpatient expenses exceed 1800 yuan be reimbursed? It doesn't have to be like this. We need to add up the reimbursable parts of outpatient expenses, such as the reimbursement of examination fees and the reimbursement of some drugs (all drugs with out-of-pocket expenses are not reimbursed, drugs with out-of-pocket expenses are reimbursed by 70% to 80%, and drugs without out-of-pocket expenses are reimbursed by 1.800%), then the medical insurance expenses of outpatient expenses will reach 1.800 yuan.

4. How can the outpatient expenses of urban workers exceed 1800 yuan? Outpatient expenses exceeding 1.800 yuan minus the deductible line (1.800 yuan) and non-reimbursable items and non-reimbursable parts of all out-of-pocket drugs shall be reimbursed according to the corresponding proportion of medical insurance reimbursement (90% for community reimbursement in this city and 70% for other designated places). ) reimbursement.