Is it cheap to buy medicine with medical insurance card?

It's cheaper to buy medicine with medical insurance card.

Social medical insurance card, referred to as medical insurance card or medical insurance card, is a special card for personal account of medical insurance. With the personal identity card as the identification code, the detailed information such as personal identity card number, name, gender, account capital expenditure and consumption are stored and recorded. The medical insurance card is undertaken by the local designated agent bank, which is a multi-functional debit card of the bank. After the insured unit pays the fee, the local medical insurance department will entrust the bank to transfer the personal account payment to the personal medical insurance card of the insured employee at the end of the month.

After the medical insurance card is degaussed and lost, it will be replaced directly according to the regulations. The specific process is as follows:

1. If it is the same bank before and after the card change, I will report the loss to the employee medical insurance card service bank with my valid certificate, and the street labor security service center will accept the social security card application with the bank's report of loss and my valid certificate for 45 working days. After receiving the social security card and injecting capital, the amount in the original medical insurance card will be automatically transferred to the social security card without clearing it.

2. If the card is not the same bank before and after the card change, then the social security card collection process is the same. However, the amount in the original medical insurance card will not be automatically transferred to the social security card, and a valid certificate is required to issue the Notice of Clearing the Employee's Medical Insurance Card at the social security sub-center of the insured place. With the notice and my valid certificate, go to the original employee medical insurance card service bank to cancel the medical insurance card.

Residents' medical insurance: within an insurance year, if the general outpatient expenses incurred by insured residents in designated outpatient medical institutions are within 100 yuan (inclusive), the residents' medical insurance fund will pay 30% and individuals will pay 70%; Personal consumption exceeds 100 yuan.

Medical insurance for urban workers: not all the personal accounts on the medical insurance card of the insured person insured by the unit are paid by himself; The medical insurance card for flexible employees also has a personal account of 15 yuan every month since last year, which can be used to pay outpatient expenses, which is equivalent to outpatient reimbursement (unless the insured belongs to civil servants or the unit has other reimbursement policies).

legal ground

People's Republic of China (PRC) social insurance law

Article 2 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 in case of old age, illness, industrial injury, unemployment and maternity.