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Good news! Medical insurance is about to be legislated, which concerns every Chinese, especially those "medicine jars" who need to run to the hospital frequently. However, health insurance is not a panacea, and there are 6 situations in which it is not reimbursed. Do you know? Let's take a look at these 6 situations and be mentally prepared.
1. Failure to seek medical treatment at a designated hospital
Some friends may think that medical insurance can be used in any hospital. But the reality is cruel, there are designated hospitals for medical insurance. If you go to a hospital that is not designated by medical insurance, then sorry, you may have to pay for medical expenses out of pocket. Therefore, before the next time you see a doctor, remember to check whether this hospital is designated by medical insurance.
2. Failure to show the medical insurance card
Some people may think that it is enough for me to have medical insurance, and it doesn't matter if I show my medical insurance card or not. But it would be a mistake to think so. The medical insurance card is an important document in the process of medical treatment, which can prove your identity and medical insurance status. If you don't show your health insurance card, the hospital may not reimburse you. So, remember to bring your medical insurance card next time you see a doctor.
3. The transfer of a non-designated hospital has not been approved
Sometimes, our condition may require us to go to a more specialized hospital for treatment. However, if we go to other hospitals without going to the designated hospital for medical insurance to issue a transfer certificate, then this part of the medical expenses will not be reimbursed. Therefore, if you need to go to another hospital for treatment, you must remember to issue a transfer certificate first.
4. Specific medical service items cannot be reported
There are some specific medical services that are not reimbursed by medical insurance, such as cosmetology, plastic surgery, weight loss, etc. Although these programs are related to our health, they are more to improve our quality of life, so medical insurance is not reimbursed. Of course, this does not mean that these projects cannot be done, but that you need to pay for them yourself.
5. Medical insurance cannot reimburse Class C drugs
There is a classification of drugs reimbursed by medical insurance, which are divided into three categories: A, B, and C. Among them, all Class A drugs are reimbursed by medical insurance, and Class B drugs need to pay part of themselves, but the rest can also be reimbursed. However, Class C drugs cannot be reimbursed, and all of them are borne by individuals. While it may sound unfair, it's also about better managing health care funds. Therefore, when buying medicines, it is best to consult whether they can be reimbursed.
6. Reimbursement cannot be made if it is lower than the medical insurance threshold
Another potentially unexpected situation is that if our medical expenses are too low to meet the threshold of medical insurance, then this part of the cost will not be reimbursed. For example, in some places, the starting line for medical insurance is 2,000 yuan, so if our medical expenses are only 1,000 yuan, then the 1,000 yuan needs to be borne by ourselves. So, even if we have health insurance, we can't just go to the doctor, because the cost is too high and we may not be able to afford it.
Now, we have learned about these 6 situations that cannot be reimbursed by medical insurance, and we hope to remind you to avoid unnecessary troubles when seeking medical treatment. Of course, the specific situation may vary depending on the region and policy, so it is best to consult the relevant departments or professionals before using medical insurance.
Seeing this, some friends may ask: Since there are so many restrictions on medical insurance, is it still necessary for us to buy it? The answer is yes! Although medical insurance has some restrictions, it is still our most basic medical security. It can help us reduce the burden of medical expenses and make us more comfortable in the face of illness. Moreover, with the continuous improvement of medical insurance policies, I believe that there will be more good news in the future.
Finally, I would like to say that while health care is important, we cannot rely on it completely. We also need to pay attention to our health and prevent the occurrence of diseases. Only a healthy lifestyle is the most effective medical protection.
Therefore, before the next time you see a doctor, remember to understand the relevant policies of medical insurance to avoid unnecessary trouble. At the same time, we should also pay attention to maintaining a healthy lifestyle, so that medical insurance can truly become the guardian saint of our health.