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When we see a doctor, we often need to use a medical insurance card, especially if there is an old man and a young family member. How to use the medical insurance card correctly? What are the tips for using the medical insurance card, so that you can see a doctor and spend less money, and it is more convenient? These 6 tips you must know!
Health Times Figure
Tip 1:
Choose a designated medical institution that suits you
Medical insurance reimbursement must be in designated hospitals and pharmacies. Not all hospitals can use medical insurance, and the insured person needs to choose a designated medical institution when seeking medical treatment in order to enjoy medical insurance reimbursement treatment.
When choosing a designated medical institution, we must be cautious and consider various factors, such as the level of the hospital, the level of medical care, the distance from home or work, etc.
If you want to know more about the local designated medical institutions and pharmacies, you can click on "Designated Medical Institutions" and "Designated Retail Pharmacies" through the National Medical Insurance Service Platform APP, and you can inquire with one click.
Tip 2:
Headache and brain fever are given priority to go to a community hospital
Minor problems such as colds, insomnia, gastroenteritis, or daily management of chronic diseases such as hypertension and diabetes can be solved at the community hospital at your doorstep. First, it is convenient to seek medical treatment nearby, and second, community hospitals have lower payment thresholds and higher reimbursement ratios. Highlight a "convenient" and "money-saving".
Take some community hospitals in Beijing as an example:
The reimbursement ratio is high: 55% for urban and rural residents in community health service centers, while 50% for secondary and tertiary hospitals, 90% for urban employees and 70% for secondary and tertiary hospitals.
Low starting line: 100 yuan for community health service centers and 550 yuan for secondary and tertiary hospitals.
No queuing for registration: The registration at the community health service center is only 1 yuan at its own expense, and it is free for the elderly.
Tip 3:
Priority is given to drugs covered by medical insurance
There is a clear drug list for medical insurance drugs, and only drugs included in the medical insurance catalog can enjoy reimbursement treatment. The drugs in the medical insurance catalogue mainly include Class A drugs and Class B drugs. 100% reimbursement for Class A drugs and a certain percentage reimbursement for Class B drugs.
At the same time, it should also be noted that only those who purchase drugs within the scope of the medical insurance catalog at designated pharmacies can enjoy proportional reimbursement. It should be noted that these 8 categories are not included in the National Reimbursement Drug List:
(1) Drugs that mainly play a tonic role;
(2) Drugs containing national precious and endangered wild animals and plants;
(3) health care drugs;
(4) prophylactic vaccines and contraceptives;
(5) Drugs that mainly play the role of enhancing sexual function, treating hair loss, weight loss, beauty, smoking cessation, alcohol cessation, etc.;
(6) Drugs that cannot be charged separately due to being included in the diagnosis and treatment items;
(7) Wine preparations, tea preparations, all kinds of fruit-flavored preparations (except for children's drugs under special circumstances), oral inhales and oral effervescent agents (except for special provisions), etc.;
(8) Other drugs that do not meet the requirements of basic medical insurance.
Tip 4:
Activate the medical insurance electronic voucher in advance
"I forgot to bring my social security card to see a doctor", "I am in a hurry to seek medical treatment but I can't find my social security card"...... It is more convenient to activate the medical insurance electronic voucher to see a doctor.
Officially released in November 2019, the medical insurance electronic voucher is free from the shackles of physical cards, not afraid of losing or stealing, and you can enjoy all kinds of medical security services through a smartphone, including business handling, medical insurance account inquiry, drug purchase payment, etc.
You can activate the electronic voucher of medical insurance through the "National Medical Insurance Service Platform" APP. Medical insurance electronic vouchers can be used on the national medical insurance service platform or Alipay and other apps.
Photo by Hou Yumeng
Tip 5:
It is more convenient to file for medical treatment in different places and provinces
For medical treatment in other places, it is best to file first and then seek medical treatment. If you need to go to another place for medical treatment due to long-term residence, work or living with your children, you can also enjoy the corresponding medical insurance treatment if you go through the filing procedures in other places in advance.
Generally, for long-term residents who live in other provinces and other places, the filing is valid for a long time, and for those who temporarily go out for medical treatment across provinces, the validity period of the record shall not be less than 6 months in principle.
Now it is much more convenient to file for medical treatment in other places, log in to the national medical insurance service platform APP, and you can select "remote filing" on the home page. Note that at present, there is no need to file for medical treatment in the Beijing-Tianjin-Hebei region.
Tip 6:
The elderly and children in the family can be bound to family accounts
Medical insurance also has a family account, you only need to activate and bind the medical insurance family account on the "Alipay APP", you can help your family to brush the medical insurance electronic voucher, and you can enjoy medical insurance services without carrying a physical card, so that one person's mobile phone can help the whole family brush medical insurance, which is convenient for "one old and one young".
The operation method can be seen in the figure below↓↓
Source: Beijing Daily client