What is the difference between the return and the non-return after the medical insurance account re-payment?

What is the difference between returning and not returning after the health insurance account has been replenished :After the health insurance account has been replenished, the difference between returning and not returning is: the difference between the two is that if you return the cash, there will be a certain amount of money to return to your social security card, this money can be used to go to the drugstore to brush things, in addition to the function of the health insurance reimbursement! If you don't get cash back, no money will be returned to your social security card, which has no function other than reimbursement for hospital visits and hospitalization at designated hospitals! Of course, there is another difference is that if you pay cash back, you pay a higher grade, and if you don't pay cash back, you pay a lower grade!