Can I use my medical insurance card to buy medicine after I stop paying social security?

Of course. Payment of medical insurance benefits shall be suspended, and medical insurance benefits shall be suspended from the month following the date of suspension of payment. To put it simply, it is not to stop using it immediately, but to stop enjoying medical insurance benefits from next month. But it doesn't mean that the medical insurance card can't be used. Although the medical insurance has been suspended, the money in the personal account of the medical insurance card can still be used, which can only be used to buy medicine and see a doctor at the outpatient clinic. If you are hospitalized, you can't enjoy medical insurance reimbursement, and you have to pay for it at your own expense. Unlike endowment insurance, medical insurance can calculate the cumulative payment time. Even if it is interrupted, it will not have a great impact on the collection of endowment insurance, but medical insurance is different.

The biggest impact of social security interruption is medical insurance and maternity insurance, unlike endowment insurance, which is calculated according to the cumulative payment time. However, whether it is medical insurance or maternity insurance, you need to pay for a certain number of months continuously to enjoy the reimbursement policy. Once your social security is interrupted, your payment record will be cleared!

Medical insurance is divided into individual payment part and unit payment part. The medical insurance expenses paid by individuals are directly transferred to your social security card to pay the out-of-pocket expenses for daily drug purchase and hospitalization; The part paid by the unit is transferred to the overall account to pay the hospitalization reimbursement expenses, which belongs to public welfare.

Personal part:

When you stop paying social security, your personal part can still be used normally, that is to say, the medical insurance card can be used to buy medicines and pay personal out-of-pocket expenses when you are hospitalized;

Unit parts:

When your social security stops, you can't enjoy the co-ordination account to reimburse your medical expenses. All the expenses spent in the hospital during this period can't be reimbursed, so you have to pay for it yourself!

In some places, it is stipulated that the longer the payment of social security, the greater the amount of medical reimbursement. Even if your partner finds a job again and starts to pay social security after the interruption of social security, your social security payment time has been cleared due to the interruption, and you need to pay it again for a specified time before you can enjoy social security reimbursement. And when your payment period reaches the standard, due to the interruption of social security, the payment time will be cleared, so the amount of medical reimbursement you can enjoy may not catch up with your previous reimbursement amount!

Legal basis:

Article 23 of the Social Insurance Law, employees shall participate in the basic medical insurance for employees, and the employer and employees shall jointly pay the basic medical insurance premium in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.