What medicine can I brush with my medical insurance card?

What medicine can I brush with my medical insurance card? Before answering this question, let's take a look at how the money in the medical insurance card came from. Under normal circumstances, the insurance expenses in the medical insurance card are shared by the individual and the company, with the company bearing 8% and the individual bearing 2%. Among them, 2% individuals enter the medical insurance card, which means that the insured can get a personal account, which can be used to buy medicines at designated pharmacies and pay for outpatient and hospitalization expenses. Most of the 8% paid by the company will enter the social pooling account and be managed by the medical insurance center. The expenses that the insured meet the local medical insurance reimbursement shall be paid by the overall account.

So, what medicine can I brush with my medical insurance card? According to the regulations, not all drugs can be paid with the money in the medical insurance card, and the medical insurance card can only buy drugs designated by medical insurance. The Social Security Bureau published a book —— Catalogue of Medicare Drugs, which published more than 1000 kinds of drugs, including amoxicillin, antiviral granules and commonly used cardiovascular and cerebrovascular drugs. According to this book, hospitals and pharmacies designated by social security can classify drugs that can be swiped and drugs that cannot be swiped.

So, what are the principles of drug selection in the medical insurance catalogue? According to the Interim Measures for the Administration of Medication Scope of Basic Medical Insurance for Urban Employees, the general principle is to consider the basic needs of clinical treatment and the economic differences and medication habits between regions, and pay equal attention to both Chinese and Western medicine. The basic principles are: 1, drugs that meet clinical needs, are safe and effective, are reasonably priced, are convenient to use, can be supplied in the market, and meet the standards issued by the state drug supervision and administration department, as well as drugs officially imported by the state drug supervision and administration department; 2, those drugs that mainly play a nourishing role, some animals and animal organs that can be used as medicine, various wine preparations, blood products, protein products, etc. Brewed with Chinese herbal medicines and Chinese herbal pieces, these drugs are not listed in the medical insurance drug list, which means that you can't directly swipe your card with a medical insurance card.

In addition, western medicine and Chinese patent medicine in the medical insurance drug list are selected on the basis of national essential drugs, which are divided into "Class A List" and "Class B List". Among them, the drugs in the "Class A Catalogue" are necessary for clinical treatment, which are widely used and have good curative effect, while the drugs in the "Class B Catalogue" can be used for clinical treatment with good curative effect, and the price is slightly higher than that in the "Class A Catalogue". The Category A Catalogue is formulated by the state and may not be adjusted in any place. The Category B Catalogue is formulated by the state, and all provinces, autonomous regions and municipalities directly under the Central Government may make appropriate adjustments according to the local economic level, medical needs and drug use habits.

What medicine can I brush with my medical insurance card? You just need to check the medical insurance drug catalogue and the medical insurance catalogues of various provinces and cities, which have a detailed list of drugs. I hope that after reading this article, comparing it with the medical insurance drug list can help you clearly understand which drugs can be swiped with medical insurance cards.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.