If you want to know more, take a look at this article
What's the difference between residents' health insurance and employees' health insurance?
Medicare Reimbursement Scope I: Drug Catalog
Medicare has three major reimbursement catalogs, and only expenses within the catalogs can be reimbursed:
Drugs prescribed in the hospital can only be reimbursed if they are within the drug catalog.
The medicines that can be reimbursed, there are two major categories:
Category A medicines: essential for clinical treatment, widely used, good efficacy, formulated by the state, can be reimbursed 100%
Category B medicines: can be used as an option for clinical treatment, good efficacy, a little bit more expensive; can only be reimbursed part of the cost
Besides that, there are also Category C medicines, which are not included in the reimbursement catalog. You will need to bear the entire cost yourself.
Medicare Reimbursement Scope 2: Diagnostic and Treatment Programs
Mainly including treatment, examination, surgery, etc., according to a certain percentage of reimbursement costs. However, it should be noted that many common treatment items;
such as registration fees, consultation fees, prosthetic eyes, prosthetic limbs and other equipment, cosmetic enhancement, health checkups and other costs are not reimbursable.
It can be simply understood that if it is not a necessary medical treatment costs, is everything from the simple.
Medicare Reimbursement Scope III: Service Facilities
Mainly, it's the bed fee for ordinary wards, while high-end wards and special wards will not be reported. In addition to this, the cost of nursing staff, meals, emergency vehicles and other living services are also not reimbursed.
Because of the reimbursement directory, each person's treatment and program varies; so the final reimbursement rate can vary greatly.
Medicare, as a universal benefit, guarantees everyone the basic dignity of being able to receive medical care.
But the health insurance can only guarantee that everyone will get a bowl of porridge, but only white porridge, barely enough to eat; to eat seafood porridge, abalone, shark's fin and belly is impossible.
Concerned about dedicated insurance, 1 to 1 free consultation, adhering to the professional, objective, neutral attitude, for you to select more cost-effective products, so that buying insurance becomes an easy thing!