What's the difference between Medicare's first and second class? It's all about the difference between the first and second class.

Difference between first and second class medical insurance

1. Reimbursement rate is different

For those who are paying for the first class medical insurance, the reimbursement rate for the first class medical insurance for first class hospitalization can reach up to 85%, while the reimbursement rate for the second class medical insurance is only 80%. After that, and so on, there's a 5 percent difference in reimbursement rates for both second- and third-tier hospitalizations.

2. Different reimbursement limits

The first tier of social security has higher reimbursement limits. For those with family accounts, the reimbursement limits for children's critical illnesses in family accounts vary, with specific limits in each region, but generally around 25%.

3. Different contribution amounts

As long as your social security is a first-tier social security, you'll be paying first-tier health insurance. The cost of first-tier health insurance is higher than second-tier social security, and the amount varies from region to region.

4. The principle of medical treatment is different

First-tier participants are treated at any designated medical institution in the city, second-tier participants are treated at the bound community health centers for outpatient treatment, hospitalized at any designated medical institution in the city, and outpatient major illnesses are treated at the prescribed medical institutions.

5. Applicable to different groups

Purchase of first-class health insurance is generally well-known large companies, listed companies, etc.; second-class health insurance is generally more for the company type of unit.

Can I change my health insurance plan?

You can change it. It's just that in many places you can only change your health insurance bracket once a year, and when we do, we have to remember whether we want higher reimbursements or lower expenses, and once we change it, we can't change it again this year.

Overall, the first grade of health insurance and the second grade of health insurance in many ways there is a difference, of course, no matter what grade of health insurance, we have to pay the health insurance on time, to avoid the situation of broken payment.