Being sick is worrying enough, and going to the hospital has to deal with a bunch of high-tech tests, especially the high-sounding MRI.
Have you ever been in front of the payment window, staring at the astronomical string of examination fees, and your heart is beating a drum: Can medical insurance reimburse us?
MRI, do you really understand?
MRI, the name sounds confusing, but it's actually a super powerful camera that can see all kinds of little secrets in your body through the skin. For headaches, brain fever, back pain, or even more complex diseases, your doctor may ask you to go for an MRI. But here's the problem, this high-tech gadget, the price is not expensive, thousands at every turn, we ordinary people, wallets have to be tightened!
What is health insurance? What is reimbursement?
Medical insurance is like a big umbrella, and both urban workers and villagers have a share. With it, you can spend less of your hard-earned money on medical treatment. Reimbursement, simply put, means that you spend money to see a doctor, and the medical insurance will give you "blood return" in proportion, but it is not a full report, and you have to follow the rules.
MRI, is health insurance a lifesaver or a bubble?
Theoretically, medical insurance is to reduce everyone's medical burden, and many tests and treatments can be reimbursed. However, whether the high-end goods of MRI can be reimbursed depends on the specific situation.
In some places and some diseases, medical insurance is recognized, which can help you save a lot of money; But sometimes, you may have to pay out of your own pocket. This makes people's heads big, why is the same medical insurance, but the treatment can be so much worse?
Regional Differences
China is so big, and there are various medical insurance policies in various places. In big cities such as Beijing, Shanghai, Guangzhou and Shenzhen, medical insurance reimbursement may be more relaxed, but in small cities or rural areas, the reimbursement policy is tight. Therefore, the same is to do MRI, you can report eighty or ninety percent in Beijing, and you may not pay a penny when you change to your hometown, you say that you are angry or not!
Whether it can be reported or not, the key depends on the "rules and regulations"
Medical insurance reimbursement is not something you can reimburse if you want to.
Your illness has to be on the "white list" of medical insurance, such as serious neurological diseases, tumors, etc., and the MRI may be reimbursed.
You still have to cross the "threshold line", that is, you can start reimbursement above a certain amount, below this amount, sorry, solve it yourself.
There is also a "cap line", beyond which the excess has to be paid out of pocket.
With this process, medical reimbursement is more like a guessing game, you have to figure out the rules before you can play it.
How can you get Medicare to save you money?
1. Ask clearly, before going to the hospital, call or check on the Internet to find out what the medical insurance policy in your place stipulates for MRI.
2. Prepare the information, in case you can be reimbursed, don't miss the opportunity for reimbursement because of the lack of a certificate and an extra stamp.
3. Calculate the accounts, understand the self-paid part clearly, and sometimes a different examination method, such as CT, may also achieve the purpose of diagnosis, and the cost is lower.
4. Follow up in time, remember to submit the reimbursement application as soon as possible after the inspection, don't delay, the more you delay, the more troubles.
Although there are still many unsatisfactory things in this matter now, I hope that one day in the future, everyone will be able to have less financial anxiety and more peace of mind and hope when facing illness. After all, health is the greatest asset, isn't it?