Plastic surgery hospitals generally can't use medical insurance cards, because plastic surgery is not covered by medical insurance reimbursement. However, if it is a plastic surgery hospital at the level of a third-class hospital, it meets the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue medical expenses, and this part of the expenses can be reimbursed. In short, medical insurance is mainly used to reimburse medical expenses of a therapeutic nature, not cosmetic and plastic surgery expenses.
Limitation of medical insurance coverage:
1. Basic medical insurance policy: stipulates the basic coverage of medical insurance, which usually only includes necessary and therapeutic medical services;
2. Classification of medical services: medical services are divided into therapeutic and improvement (beauty) categories, and medical insurance generally only covers therapeutic services;
3. Control of medical expenses: In order to control medical expenses, medical insurance usually excludes non-essential medical services, such as cosmetic surgery;
4. Limitation of medical insurance catalogue: the scope of medical insurance payment is usually determined by the catalogue of medical insurance drugs and services, and the cosmetic items are not included in the catalogue;
5. prevent resource abuse: limit the scope of medical insurance to prevent the abuse of medical resources and ensure that basic medical needs are met.
To sum up, medical insurance can't be used for cosmetic surgery expenses, but part of the expenses of plastic surgery hospitals that meet the relevant standards can be reimbursed.
Legal basis:
Article 28 of the Social Insurance Law of the People's Republic of China
Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency and rescue shall be paid from the basic medical insurance fund in accordance with state regulations.