What's the difference between medical insurance A and B? What's the difference between medical insurance A and B?

When medical insurance is reimbursed, it is generally reimbursed according to the relevant catalogue of medical insurance. There are three catalogues of medical insurance, namely, the basic medical insurance drugs catalogue, the diagnosis and treatment items catalogue and the medical service facilities catalogue. The basic medical insurance drug list and the diagnosis and treatment project list can be divided into Class A and Class B. What is the difference between Class A and Class B?

What's the difference between Class A and Class B of medical insurance?

First, the basic medical insurance drug list is divided into "Class A drugs" and "Class B drugs". The differences between Class A drugs and Class B drugs are as follows:

1. Different prices: The price of Class A drugs is relatively low among similar drugs, which can ensure the basic needs of clinical treatment. The price of Class B drugs is higher than that of similar Class A drugs, which can be used as the choice of clinical treatment and has good curative effect.

2. The reimbursement ratio is different: the expenses of Class A drugs are included in the payment scope of the basic medical insurance fund, and the expenses are paid according to the basic medical insurance payment standard. When the insured uses "Class A" drugs, they can all be included in the scope of reimbursement. When the insured uses "Class B" drugs, if the proportion of personal burden is not indicated, the individual shall bear a certain proportion of drug expenses first (different laws and regulations in different places), and the rest shall be included in the scope of medical insurance fund payment.

3. Different sales channels: Class A drugs can only be sold in pharmacies, while Class B drugs can be sold not only in pharmacies, but also in hotels or shops with the approval of drug supervision departments.

Two, diagnosis and treatment project directory is divided into "A project" and "B project", the difference between A project and B project is as follows:

1. The concept is different: the diagnosis and treatment items in Class A are necessary, safe, effective and affordable for clinical diagnosis and treatment. The diagnosis and treatment items in Class B catalogue can be used for clinical diagnosis and treatment, and the effect is positive, but the use needs to be properly controlled.

2. The reimbursement ratio is different: Class A projects are all included in the scope of reimbursement, while Class B projects require individuals to bear part of the expenses first, and the rest are included in the scope of reimbursement.