Can I still use the medical insurance card after I stop paying?
First, can the medical insurance card still be used after payment is stopped?
1. The medical insurance card has stopped, but the money in the personal account of the medical insurance card can still be used, which can only be used to buy medicine and see a doctor at the outpatient clinic. If you are hospitalized, you can't enjoy medical insurance reimbursement, and you have to pay for it at your own expense.
2. Medical insurance has a buffer period of 3 months from the date of suspension. Over this period, the payment period is recalculated, which is also regarded as the interruption of insurance. If you re-apply for insurance after the interruption, you need to pay for 6 months in a row before you can enjoy medical insurance benefits again. In addition, medical insurance can generally be interrupted three times, otherwise the payment period will be accumulated again.
Second, what is the impact of medical insurance card deactivation on reimbursement?
Judging from the reimbursement level of hospitalization and outpatient service alone, whether there is a medical insurance card or not, the medical expenses of hospitalization and outpatient service are very high, which increases the medical burden of the sick people. However, no matter what the proportion of medical insurance reimbursement is, after all, it makes many people afford to see the disease and live in the hospital, greatly reducing the economic burden of the patients themselves and their families.
Is the implementation of medical insurance, hospitals can use more advanced medical equipment to diagnose diseases, and we can also use better medical conditions, including inspection equipment and experts; Choose better and more expensive drugs to treat diseases, and these are accompanied by the increase of medical expenses. Of course, there are also some bad phenomena, such as the quality of doctors and the excessive pursuit of profits in hospitals, which leads to increased expenses.
In a word, medical insurance makes us dare to use better and more expensive drugs for treatment, and also makes us affordable to stay in a hospital, which reduces our economic and medical burden to some extent.
Third, other effects of medical insurance card suspension
The payment of medical insurance is accompanied by the payment of social security. When medical insurance stops, it means that social security is not paid. Let's not talk about the disadvantages of social security payment, just talk about medical insurance.
Many people don't really know the benefits of medical insurance, so they don't pay as long as they don't promise. In fact, medical insurance is our welfare. There is no limit to medical insurance, and you can apply for medical insurance regardless of illness; At the same time, there is no age limit. As long as men have reached 25 years and women have reached 20 years, they can enjoy lifelong medical insurance benefits.
Although medical insurance has the limitation of deductible standard, capping line and self-expense, the reimbursement amount = (total amount-self-expense-self-payment-deductible line) × reimbursement ratio.
Combined with the reimbursement ratio chart of hospitalization and outpatient service, the reimbursement ratio of on-the-job employees and retirees is different, and the latter is better.
Although medical insurance has certain thresholds and restrictions, not all drugs and conditions can be reimbursed, but it can ensure that we can see a doctor. If you want to get better medical treatment, you can use some commercial health insurance (such as medical insurance) as a supplement to solve some problems in self-funded projects. In short, medical insurance is the welfare guarantee of our public, and users are not advised to stop paying.
Medical insurance is suspended, and medical insurance benefits are suspended from the month following the date of suspension. To put it simply, it is not to stop using it immediately, but to stop enjoying medical insurance benefits from next month.