Some people often have this question: Why do I pay the social security year after year, but why can't the pharmacy brush my health insurance card?
There are three main reasons for this:
1, the different types of medical insurance
China's medical insurance is divided into two types: the employee medical insurance and urban and rural residents medical insurance (or the new rural cooperative). The employee medical insurance has established individual accounts, urban and rural residents medical insurance is not established individual accounts. We go to the drugstore and use the amount of money in our personal account, but if you are a member of the urban and rural residents' medical insurance (or the New Agriculture Cooperative), you do not have a personal account, and therefore, the card can not be used in the drugstore.
Although you can't use the card to buy drugs, you can still get reimbursed when you are hospitalized.
The scope of medical insurance reimbursement is very wide, mainly including doctors' outpatient costs, medicine, hospitalization costs, nursing costs, miscellaneous hospital expenses, surgical costs, and all kinds of examination costs. It includes not only the doctor's medical and surgical fees, but also the cost of hospitalization, nursing care, hospital equipment and so on. So the usefulness is still great.
2, the balance of the individual account of the medical card is insufficient to cause
We go to the pharmacy to buy drugs to use the balance of the individual account of the employee health insurance, if the balance of the individual account is insufficient or zero, will lead to the card in the pharmacy can not be purchased to use, can only be personal cash out of pocket to bear.
3, the medical card damage caused by, such as demagnetization
We in the card when the pharmacy's computer system will have prompted the information, if the medical card is bad, that certainly will not brush any information. Of course, we can't rule out the possibility that the card is broken, or that it's a problem with the drugstore's card reader. It is recommended to change a few pharmacies to try, if they are not out of the brush, it can be 100% sure that the health insurance card is damaged.
If the card is damaged, the insured person is reminded to bring his ID card and the cost of the card to the card office as soon as possible to apply for a replacement card to ensure the normal use of the card.