Medicare cards are not universal and are limited to the place of insurance. The social medical insurance card (referred to as medical insurance card or medical insurance card) is a special card for medical insurance personal account, which uses personal ID card as the identification code, and stores detailed information such as personal ID card number, name, gender, as well as account payment and consumption.
At the present stage, the medical insurance management information systems of all provinces and cities are independent of each other and are not connected to each other, so that the insured persons who seek medical treatment in other places within or outside the province can only settle the cash bill with the medical institutions in other places, which causes the insured persons to be tired of running between the places where they seek medical treatment and the places where they are insured. The main problems of the current health insurance card are:
1, there is a card can not be used.
2, difficult to reimbursement after the medical.
3, the cost of medical care increased. The establishment of a national health insurance card to facilitate access to medical care for the migrant population has attracted great attention from departments at all levels, including the Ministry of Human Resources and Social Security and the Ministry of Health.
Expanded InformationSpecified hospitals to use the card
(1)When you present your card at a designated hospital to prove your insurance status and register, you do not need to pay for reimbursement, and you can settle the reimbursed portion of the bill directly between the medical insurance company and the hospital, and only at the time of checkout, you will pay the out-of-pocket portion of the bill from your own balance on your medical card or in cash.
(2) When reimbursed for hospitalization, there is a starting line (the starting standard is generally 10% of the average annual salary of the city's workers in the previous year), which means that the money needs to be paid for the starting line, and the part that exceeds the starting line can only be reimbursed according to the local health insurance regulations, the reimbursement rate is different from place to place, and different hospitals and different programs are also different, about 80%.
If a patient with a health insurance card is sick and wants to go to the hospital, the process of going to a designated health insurance unit with a health insurance card is as follows: When a participant is sick, he or she can go directly to a local designated medical institution with a health insurance handbook and IC card.
The general procedure is: with medical insurance handbook and IC card - hospital medical insurance office registration - validation of the card - payment of hospitalization deposit - hospitalization - the self-payment items need to be agreed by the patient and signed - cash or IC card settlement of the starting standard and self-payment ratio of the out-of-pocket portion of the - co-ordination of the scope of the first advance by the hospital - settlement of the discharge.
Baidu Encyclopedia - Social Medical Insurance Card