It depends on the coverage of the commercial insurance. If the coverage includes out-of-pocket expenses, then the commercial insurance can be reimbursed; if the scope of reimbursement is limited to the scope of the social security catalog, then the commercial insurance may not be reimbursed.
We all know that the reimbursement of social security is limited by the scope of medication and the percentage of reimbursement. Generally, Class A drugs can be reimbursed 100%, Class B drugs are reimbursed according to a certain percentage, and Class C drugs are not reimbursed by social security. Therefore, many people buy commercial insurance as a supplement to social security, such as the current million medical insurance, no restriction on the scope of drugs and means of treatment, out-of-pocket expenses can also be reimbursed, can be used as a supplement to social security.
And some commercial insurance, such as some accident medical insurance, limit the scope of reimbursement is within the scope of social security, then if an accident, need to use some imported drugs, imported medical equipment, these out-of-pocket expenses, commercial insurance is also not reported.
So it depends on what type of commercial insurance we buy and what it covers, and whether there are any restrictions on the use of medication and treatment.
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