Medicare is divided into two accounts, the individual account, embodied in the medical insurance card money, can be used to buy drugs at designated pharmacies, outpatient payment and hospitalization costs in the individual out-of-pocket payment; co-ordinated account, managed by the medical insurance center, the insured person occurs in line with the local medical insurance reimbursement of the cost of the co-ordinated account to pay.
When seeking medical treatment (hospitalization), present your medical insurance card to the designated hospital to prove your insurance status, and when settling the bill, you will pay for the out-of-pocket portion of the expenses with your own medical insurance card or in cash, and the reimbursed portion of the expenses will be settled by the medical insurance and the hospital, so that you don't need to pay for them before reimbursing them. And those medical expenses for outpatient visits are not reimbursed.
Social health insurance reimbursement
Different hospitals have different reimbursement rates for health insurance: if a person spends 10,000 yuan in the hospital, if he is hospitalized in a first-class hospital, then 500 yuan will be subtracted; if he is hospitalized in a second-class hospital, then 1,000 yuan will be subtracted; if he is hospitalized in a third-class hospital, then 2,000 yuan will be subtracted; and after that, he will have to pay for the hospital's medical expenses. After deducting "non-medicare medication costs" and "other non-medicare costs", the remaining expenses will be 80% for active employees and 50% for retired, unemployed or jobless people. (Note: the health insurance reimbursement only insures the Class A drugs that are used for medical insurance, Class B is not reimbursable for non-medical insurance)
The working staff hospitalization medical reimbursement reimbursement ratio of medical insurance hospitalization, the total cost in addition to the out-of-pocket part of the costs, Class B costs out-of-pocket first 10% after the part of more than the hospital health care insurance threshold fee, to enjoy the coordinated payment ratio of the hospital level of the different threshold fee is different, to enjoy the coordination of the proportion of the payment of also different. Employee health insurance ratio of more than 80% (Wuhan City 82%/84%/87%), the proportion of residents health insurance about 70% (Wuhan City 80%/65%/50%).
The social security card has not adjusted any medical reimbursement rate, according to the "Beijing Basic Medical Insurance Regulations" issued in 2005, the social supplemental medical insurance for retirees under the age of 70 is 50%, and the reimbursement procedures in the contributing organizations, it is necessary to prepare a copy of the medical insurance handbook, medical bills, receipts, details and so on, and more details, also consult the labor security telephone 12333. The labor security phone 12333.
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