Commercial insurance and social insurance have a complementary relationship with each other, so social security can not replace commercial insurance. About the difference between commercial insurance and social insurance specific introduction, in this article are social security health insurance how to use? An article to teach you to apply for the reimbursement process!
Next, let's take a look at the difference between social security and Medicare through medical insurance.
1, the content of the coverage does not completely overlap
Commercial health insurance has more responsibilities than social health insurance. Medical expenses such as registration fees, out-of-hospital consultation fees, cost of medical records and other services, as well as the cost of diagnostic and therapeutic equipment and medical materials such as prosthetic eyes, prosthetic limbs, hearing aids, etc., are not covered by social health insurance, whereas commercial health insurance can cover these expenses.
The types of drugs that Social Security can reimburse, as shown in the chart below, are also very limited. For example, pharmacologists have now developed a number of effective cancer drugs with relatively few side effects and high efficacy, except that they are all more expensive. For example, the average monthly cost of Koraida, which is used in the treatment of lung cancer, is more than $50,000 a month. Such a good life-saving drug, but often not in the social security drug coverage, for many cancer patients who do not buy commercial health insurance, because of the cost, usually can only give up this kind of targeted drugs.
2. Different reimbursement levels
Commercial health insurance usually reimburses up to 100 percent of the total amount above the deductible, while the reimbursement level of social health insurance, which is a national welfare program, is much lower than 100 percent. In the case of off-site treatment, the reimbursement rate is even lower. It can be seen that if we rely on social health insurance alone, it is not enough to cover the more serious diseases. As shown in the graph, more than half of the medical expenses, social security reimbursement rate of less than 50%.
For the similarities and differences between commercial insurance and social insurance in other areas, you can take another look at this