What does it mean to be in the social security directory?

We often say "social security coverage" refers to "medical insurance reimbursement coverage", including drugs, diagnosis and treatment projects and service facilities.

Drugs: mainly divided into three categories: A, B and C. A drug can be reimbursed by 65,438+000%, B drug can be partially reimbursed, and C drug is a "self-funded drug". Medical insurance does not report a penny, so you need to pay for it yourself.

Diagnosis and treatment items: routine treatment and examination expenses, excluding physical examination, beauty treatment, vaccination and other items;

Service facilities: mainly including hospital bed fees or outpatient (emergency) observation bed fees, excluding high-end wards and nursing staff fees.

There are three common reimbursement types for commercial medical insurance:

(1) Within social security: items within the scope of medical insurance can be reimbursed, such as 70% of Class B drugs can be reimbursed through medical insurance, and the remaining 30% can be reimbursed through such commercial medical insurance;

② Social security plus self-funded drugs: items within the scope of medical insurance are reimbursed, and class C self-funded drugs;

③ Not limited to social security: reimbursement of reasonable and necessary expenses (including self-funded drugs and ambulance fees) inside and outside the medical insurance catalogue during treatment.

The range of reimbursement from large to small is: unlimited social security > social security+self-funded drugs > social security only. When choosing commercial medical insurance, it is recommended to give priority to products that are not limited to social security.

PS: Not all medical expenses can be covered by medical insurance. There is no social security, and non-disease treatment expenses such as orthodontics, beauty, health care, etc. Nor can it be reimbursed like social security.