How do you charge for hemorrhoid surgery? There is corporate health insurance. And how is it charged?

Hemorrhoids, a seemingly unsightly but very common ailment, are painful for many people. For some patients with severe hemorrhoids, surgical treatment may be the only option. So how is hemorrhoid surgery charged? And how is it charged if you have corporate health insurance? This article will give you a detailed answer.

A. Charges for hemorrhoid surgery

The charges for hemorrhoid surgery mainly depend on the following factors:

1. Type of surgery: There are various types of hemorrhoid surgery, including traditional open surgery, minimally invasive surgery, laser surgery and so on. Different types of surgeries have different technical difficulties and require different medical equipment, so the charges will also be different. Generally speaking, minimally invasive surgery and laser surgery will cost more than traditional open surgery.

2. Hospital level: Different hospitals have different medical equipments, doctor's technical level, and service quality, so the cost of surgery will be different. Generally speaking, the cost of a tertiary hospital will be higher than that of a secondary and community hospital.

3. Regional differences: the consumption level and medical resources of different regions also affect the cost of surgery. Generally speaking, the cost in big cities will be higher than that in small cities and rural areas.

Second, the application of enterprise medical insurance in hemorrhoid surgery

Enterprise medical insurance is a kind of medical insurance provided by the enterprise for the employees, which can help the employees to share the medical expenses. For hemorrhoid surgery, corporate health insurance can reduce the financial burden of patients to a certain extent.

1. Reimbursement rate: The reimbursement rate of corporate health insurance usually ranges from 50% to 90%, depending on the insurance policy of the corporation and the balance of the employee's personal account.

2. Reimbursement scope: Corporate health insurance usually only reimburses diseases and treatments within the health insurance catalog. In the case of hemorrhoid surgery, if you choose a surgical procedure and medication within the health insurance catalog, you will be reimbursed by your health insurance.

3. Out-of-pocket: Even with corporate health insurance, the patient is still responsible for a portion of the cost, which is called the out-of-pocket portion. The deductible is usually between 10% and 30%, depending on the organization's insurance policy and the employee's personal account balance.

Overall, the cost of hemorrhoid surgery depends largely on the type of procedure, hospital level and regional differences. If there is a corporate health insurance policy, it can alleviate the financial burden of patients to a certain extent. However, patients are also required to bear a portion of the cost, which is known as the out-of-pocket portion. Therefore, when choosing surgical treatment, patients should not only consider the effectiveness and safety of the surgery, but also consider their financial situation and the reimbursement policy of the enterprise medical insurance.