Will it be cheaper to buy medicine and brush medical insurance cards?

In fact, the policies of different cities are different, and sometimes it is cheaper to buy medicine in cash than to use a medical insurance card. When people buy drugs in retail pharmacies designated by medical insurance, they should first ask about the specific regulations of pharmacies, compare prices, and then choose medical insurance cards or cash, which is more cost-effective.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation. The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".

How long does it take to pay medical insurance and reimburse hospitalization expenses?

Generally speaking, the medical insurance paid by the unit can be reimbursed in the next month, while the medical insurance paid by the individual generally needs to be paid for more than half a year to enjoy the reimbursement treatment. When going through the hospitalization formalities, the medical insurance records and medical insurance cards should be handed over to the inpatient department of the hospital for the smooth use of the medical insurance pooling account. If it cannot be submitted at that time due to emergency, the medical insurance records and cards should be handed over to the hospital in time. Under normal circumstances, if there is a deductible line for medical insurance reimbursement, different inpatient deductible lines will be set according to different levels of hospitals. The higher the level, the higher the deductible. City level 1 and below hospitals 100 yuan, city level 2 hospital 200 yuan, city level 3 hospital 300 yuan, non-local hospital 400 yuan. If the deductible line is not reached, reimbursement will not be supported. In other words, you must be above the deductible to be reimbursed. The part above the deductible line shall be reimbursed according to the regulations. In addition, there may be some drugs that are not covered by medical insurance, so you need to pay some cash when you go through the hospitalization procedures.

Legal basis:

Social insurance law

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums 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.