One, understand the health insurance policy
First of all, to understand the health insurance policy of the region. There are differences in the health insurance policies of different regions, including the scope of the health insurance catalog, reimbursement rates, payment limits and so on. Therefore, you need to check the local health insurance department or relevant websites to get specific information about whether the support is included in the medical insurance.
The types of supports and the scope of medical insurance
There are many types of supports, such as orthopedic devices, walking aids, wheelchairs and so on. The inclusion of these supports in health insurance coverage varies. Usually, some basic and commonly used supports may be included in the medical insurance catalog, while some special or high-end supports may not be covered by the medical insurance. Therefore, one needs to be specific about the type of support needed and its place in the health insurance catalog.
Three, apply for medical insurance payment
If the required support is covered by the medical insurance, you can apply for medical insurance payment from the medical insurance department. In the application process, you need to provide relevant supporting materials, such as doctor's prescription, diagnostic certificates, proof of identity and so on. The medical insurance department will review the application according to the relevant regulations and determine the payment rate and limit.
Four, out-of-pocket purchases and commercial insurance
If the required support is not covered by the medical insurance or the medical insurance pays a lower percentage, you may need to purchase it at your own expense. In addition, some commercial insurance companies also provide insurance services for the support, you can consider purchasing the relevant commercial insurance to reduce the financial burden.
In summary:
Whether or not a stent is covered by health insurance depends on specific health insurance policies and regulations. Based on the understanding of the health insurance policy, you need to judge whether the stent is included in the health insurance based on the type of stent required and the scope of the health insurance catalog. If you need to apply for medical insurance payment, you should provide relevant supporting documents and follow the relevant procedures. If it is not covered by medical insurance or the payment rate is low, you can consider purchasing it at your own expense or buying commercial insurance.
Legal basis:
The People's Republic of China Social Insurance Law
Article 28 stipulates:
Medical expenses that are in line with the basic medical insurance drug catalog, diagnostic and therapeutic items, medical service facility standards, as well as those for emergency treatment and resuscitation, shall be paid from the basic medical insurance fund in accordance with state regulations.