Medicare is a universal basic health care system introduced by the state, as long as the items belonging to the medical insurance catalog, then you can be reimbursed with medical insurance.
The costs incurred in the intensive care unit are more complicated, some of them belong to the scope of the medical insurance catalog and can be reimbursed by the medical insurance, while some costs do not belong to the scope of the medical insurance catalog and can not be reimbursed by the medical insurance.
Most of the medications and medical equipment used in the ICU are expensive and generally not covered by health insurance, so reimbursement of ICU costs by health insurance is limited and not fully covered.
The following are some of the specific items that are covered by Medicare for ICU expenses.
The cost of medicines in the intensive care unit is generally divided into Class A drugs, Class B drugs and Class C drugs, of which Class A and Class B belong to the scope of reimbursement by the medical insurance, but the reimbursement rate is different, as follows:
1. Class A drugs
Class A drugs are widely used in clinical practice, which are cheaper and have good efficacy, and are used in the intensive care unit, the cost of Class A drugs is more.
2. Class B drugs
Class B drugs are also used more in clinical treatment, its efficacy is better than Class A drugs, but the price is also more expensive, the general cost of Class B drugs, the health insurance can be reimbursed 70% -90%, the remaining costs need to be resolved by the consumer.
3. Class C drugs
Class C drugs are generally some health care products, high-grade drugs and newly developed drugs, these drugs are more expensive, generally do not belong to the scope of reimbursement of health insurance, consumers need to bear their own costs.
From the above, it can be seen that the cost of intensive care unit medical insurance can be reimbursed part of the small, can not play a large degree of the role of reducing the economic burden, but the good thing is that you can also be reimbursed a part of the good, there is better than no good.
Overall, the cost of the intensive care unit can be reimbursed part of the medical insurance, million health insurance basically can be reimbursed, so consumers are best to have both insurance, and have medical insurance, million health insurance reimbursement rate is higher, more favorable to consumers.