Can the skills of using medical insurance card only be used to buy medicine?

1, select the designated hospital. Be careful when choosing designated medical institutions. It is necessary to comprehensively consider various factors such as hospital level, medical level, distance from home or work, and then choose a hospital with convenient medical treatment and good service quality. If you go to a non-designated hospital for medical treatment, there is no way to reimburse the treatment expenses and you can only bear them yourself. The same is true for buying medicine. Only designated pharmacies with medical insurance can use medical insurance cards to buy medicines, but not all medicines are reimbursed. Some drugs are not covered by medical insurance and cannot be purchased with medical insurance cards.

2. The reimbursement rate of small hospitals is high. Common diseases such as fever, cold and gastroenteritis can be solved in secondary hospitals or community hospitals at home. Choosing these hospitals often has a higher reimbursement rate and a lower deductible than large hospitals. The reimbursement rate of medical insurance is different: Take the medical insurance of employees in some cities as an example, the reimbursement rate of employees in large hospitals is 70%, and that of community hospitals can reach 90%. For serious diseases, if you only need rehabilitation treatment after going to a big hospital, you can transfer to a lower-level institution to continue recovery, so the treatment cost will be lower and more economical.

3. Special disease clinics can be reimbursed for hospitalization. The so-called outpatient special diseases refer to diseases that require long-term outpatient treatment after surgery, resulting in higher outpatient medical expenses. Insured persons can enjoy the proportion of hospitalization reimbursement when they go through the special disease filing procedures and carry out relevant outpatient treatment in the selected designated medical institutions, and only charge a deductible within 360 days, which greatly reduces the burden of outpatient medical treatment for insured persons suffering from special diseases. 1 1 Special outpatient diseases: outpatient treatment of malignant tumor, renal dialysis, anti-rejection treatment after renal transplantation, hemophilia, aplastic anemia, anti-rejection treatment after liver transplantation, anti-rejection treatment after liver-kidney transplantation, anti-rejection treatment after heart transplantation, anti-rejection treatment after lung transplantation, multiple sclerosis and intraocular injection treatment for macular degeneration. Note: It will vary slightly from place to place.

4. Drugs with the same efficacy should follow the medical insurance catalogue. Only drugs listed in the medical insurance catalogue can enjoy reimbursement. If you don't want to pay at your own expense, you should communicate with your doctor when you see a doctor. Please ask the doctor to prescribe medical insurance drugs as much as possible while ensuring the therapeutic effect.

5. Long-term residence in other places can also lead to medical treatment in other places. Those who meet the requirements of medical treatment in different places can go through the filing procedures and settle accounts directly. Among them, there are elderly people who have lived in other places for a long time, so that they can enjoy medical treatment in different places.

6. Manual reimbursement has a time limit. At present, Beijing has achieved real-time settlement of medical treatment by card. However, in actual operation, occasionally there will be special circumstances, and it is impossible to use the social security card for real-time settlement. For example, the emergency card is invalid, the cost of family planning operation, the enterprise's arrears, the medical expenses incurred in manual reimbursement, the medical expenses incurred in replacing the social security card, the medical expenses incurred during the period when the card is not issued after enrollment, and the medical expenses incurred by the insured in seeking medical treatment in a different place that meets the reimbursement standards and purchasing drugs that meet the reimbursement standards. In these eight cases, the individual needs to pay the medical expenses in full, and then hand over the relevant bills to the unit or social security office for manual reimbursement. However, this kind of manual reimbursement is not indefinite. There is a deadline for annual reimbursement. If it is overdue, the insured must not forget to reimburse the medical expenses because of carelessness. Beyond the time limit, they can only bear it themselves.

7. Don't pay it off. Workers' medical insurance is paid once a month and residents' medical insurance is paid once a year. If they don't pay, their enjoyment will be interrupted. Medical insurance for employees starts from the second month after the interruption, and medical treatment cannot be reimbursed. Once residents' medical insurance is not paid, personal medical insurance will be gone this year. If you get sick during this period, it will cause unnecessary losses. Don't cut off your medical insurance.