Can I buy medicine at the drugstore with my personal medical insurance card?

You can use your medical insurance card to get medicine at the hospital outpatient department. In fact, there are many kinds of medical insurance in China, the most common ones are employee medical insurance, urban residents medical insurance and so on. According to different types of medical insurance, the actual participation conditions are different, and the scope, conditions and standards of natural reimbursement are also different. Medical insurance belonging to the social insurance system is employee medical insurance, that is, basic medical insurance.

Medical insurance card can't be reimbursed when you go to the hospital to buy medicine.

Workers paid social security and received social security cards. When they go to hospitals or pharmacies to buy medicines, they can use the balance of social security cards in China people's accounts to pay for medicines. Reimbursement can only be made in the overall account when you are in hospital.

1, medical insurance is divided into two accounts, personal account, and the money reflected in the medical insurance card can be used to buy medicines at designated pharmacies, pay outpatient expenses and pay the part of hospitalization expenses that the individual pays; The overall account is managed by the medical insurance center, and the expenses incurred by the insured who meet the local medical insurance reimbursement are paid by the overall account.

2. When seeking medical treatment, show the medical insurance card to the designated hospital to prove the identity of the insured. At the time of checkout, the part paid by the individual is paid by medical insurance card or cash, and the part reimbursed by medical insurance is settled by medical insurance and hospital, so the individual does not need to pay first and then reimburse.

First, is the medical insurance card required to be reimbursed?

Medical insurance card can't be reimbursed when you go to the hospital to buy medicine. Workers paid social security and received social security cards. When they go to hospitals or pharmacies to buy medicines, they can use the balance of social security cards in China people's accounts to pay for medicines. Reimbursement can only be made in the overall account when you are in hospital.

Second, how much is the medicine reimbursed by the medical insurance card?

The general reimbursement rate of the new rural cooperative medical insurance card does not exceed 20%. The new rural cooperative medical system needs to buy prescription drugs in designated village clinics or public hospitals at or above the township level, and can be reimbursed within the limit. After the on-the-job employees see a doctor in the outpatient and emergency department of the hospital, the medical expenses of more than 2,000 yuan can be reimbursed, and the reimbursement ratio is 50%.

Third, how to reimburse outpatient medical insurance

Outpatient medical insurance reimbursement mainly includes the following points: 1. Reimbursement scope: hospitalization expenses incurred by the insured in designated hospitals or specialized hospitals, traditional Chinese medicine hospitals and 3A hospitals selected by individuals. 2. Reimbursement ratio: the minimum payment for the first hospitalization in a natural year 1300 yuan, and every time in 650 yuan. The payment ratio is divided into three grades. Take a tertiary hospital as an example. The floating standards are: 30,000 yuan, 85% on the job, 9 1% for retirement, 90% for 30,000-40,000, 94% for retirement, more than 40,000, 95% for employment and 97% for retirement. 90 days of general hospitalization is a settlement cycle. Psychiatric hospitalization for 360 days is a settlement cycle, and the floating standard is halved. In a natural year, the overall fund pays a maximum of 70,000 yuan. 3. Reimbursement process: At the time of discharge, the hospital and the individual settle the self-funded and self-funded amount, and the reimbursement amount of the overall fund is settled by the hospital and the district medical insurance center.

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

Legal basis:

Article 2 of People's Republic of China (PRC) Social Insurance Law

The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law when they are old, sick, injured, unemployed and have children.

Article 26

The basic medical insurance for employees, the new rural cooperative medical system and the basic medical insurance for urban residents shall be implemented in accordance with state regulations.

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Article 30 of People's Republic of China (PRC) Social Insurance Law

The following medical expenses are not included in the payment scope of the basic medical insurance fund:

(a) shall be paid by the industrial injury insurance fund;

(2) It shall be borne by a third party;

(three) shall be borne by public health;

(4) Go abroad for medical treatment.

Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.