Will there be medical insurance after paying social security?

You can use medical insurance after paying social security for one month. After the payment of social security, medical insurance will take effect from the second month after the successful payment of the insured. After the social security payment is successful, you can enjoy the basic medical insurance benefits from the second month after the payment is received.

How do employees query the balance of social security accounts?

1, inquired by social security center. If you don't know your social security account number, you can bring your ID card to the business hall of social insurance agencies in various districts to inquire;

2. Check online. Log in to the city's labor security website or social insurance business website, click on the "personal social security" information query window, enter my ID card and password, and query my insurance information;

3. Telephone consultation. Call the labor and social security comprehensive service telephone for policy consultation and information inquiry;

4. Touch screen query. In the business halls of social insurance agencies in various districts, if there is a social insurance touch screen inquiry system, swipe your card or enter the card number or ID number according to the screen prompts for inquiry.

Medical insurance reimbursement, drug purchase, outpatient service and hospitalization are different, according to local standards.

1, drug procurement

Cardholders can take the medical insurance card to medical institutions or pharmacies designated by medical insurance to buy medicines, and directly swipe the medical insurance card. It is worth noting that the purchase of drugs is not included in the overall social planning, that is to say, all expenses are paid by personal accounts, and after the money in personal accounts is used up, it must be paid in cash.

Not every pharmacy can swipe the medical insurance card, but it must be a designated pharmacy.

Different from pharmacies, if you go to community hospitals to buy medicines, you can enjoy subsidies as long as you have medicines in the medical insurance catalogue, which is generally 45%.

2, outpatient service

First of all, cardholders must bring a medical insurance card when they see a doctor. If he doesn't bring it, he won't enjoy any medical reimbursement.

Secondly, after seeing a doctor, you must keep the original of the disease diagnosis certificate, medical record and inspection report issued by the doctor, and the original of the outpatient fee, and you can't lose it.

Generally speaking, it is easier and more convenient to settle accounts at the end of the year. Be sure to bring all the collected materials to the local social security center to apply for reimbursement, and immediately after the approval.

However, it should be noted that when applying for outpatient medical reimbursement, the applicant must first deduct the amount allocated to the personal account of medical insurance in the social security year, and then give the remaining part for accounting reimbursement.

The self-funded part can be accumulated. If you bring a medical insurance card, the hospital will generally settle the account directly without taking the reimbursement process.

3. Hospitalization

There is a deductible line for hospitalization medical reimbursement, and each city is different. The so-called deductible is the fee that the cardholder needs to pay, and it can only be reimbursed if it exceeds this fee.

The proportion of reimbursement depends on local conditions and project conditions, but individuals must pay the medical deposit first when they are hospitalized, and pay more and less after discharge.

However, the medical expenses incurred before the hospitalization registration procedures are not included in the scope of reimbursement.

Three points should be noted: deductible, limit and scope.

The deductible has been stated. The limit means that everyone can only reimburse a limited amount of money a year. If the medical treatment exceeds this amount, only this part can be reimbursed.

Scope means that only drugs and treatments within the scope of medical insurance can be reimbursed, which means that many imported drugs are often not reported by social security.

Plastic surgery, physical examination, disease care, weight loss and beauty, myopia, dentistry and the like can not be reimbursed.

I hope the above content can help you. If in doubt, please consult a professional lawyer.

Legal basis:

Article 64 of People's Republic of China (PRC) Social Insurance Law

Social insurance funds include basic endowment insurance fund, basic medical insurance fund, industrial injury insurance fund, unemployment insurance fund and maternity insurance fund. In addition to the basic medical insurance fund and maternity insurance fund combined accounting, other social insurance funds are accounted for separately according to social insurance types. Social insurance funds implement a unified accounting system throughout the country. The social insurance fund is earmarked for special purposes, and no organization or individual may occupy or misappropriate it. The basic old-age insurance fund will gradually implement national overall planning, and other social insurance funds will gradually implement provincial overall planning. The specific time and steps shall be stipulated by the State Council.