Fundamental analysis
With a Xiamen social security card, you can directly swipe the card to see a doctor or buy medicine in Zhangzhou and Quanzhou. Currently, only designated medical institutions in the province are allowed to swipe the card. Social security cards in Zhangzhou and Quanzhou cannot be swiped for settlement in other places for the time being. The card will be gradually opened in the next step.
The medical management and services of insured persons in the three places and the mutual medical insurance accreditation point agencies in other places will be entrusted to the local medical insurance agency. The medical insurance agency will formulate terms of entrusted management requirements and incorporate them into the management of the medical service agreement for mutually recognized medical insurance designated medical institutions in the three places, and implement the management and assessment of mutually recognized designated medical institutions within the jurisdiction. This will help insured persons enjoy standardized services and reduce unnecessary losses.
Reasons why pharmacies cannot pay for medical insurance
1. The pharmacy you choose to buy medicine from is not a medical insurance designated pharmacy.
The prerequisite for using a medical insurance card to purchase medicines is that it must be used at a medical insurance designated pharmacy. Otherwise, you can only choose to pay for it yourself or change pharmacies. Therefore, if you want to use your medical insurance card to purchase medicines, try to understand the distribution of designated pharmacies near your home address and work place. You can also pay attention to whether the pharmacies around you are designated pharmacies. Such pharmacies usually use eye-catching titles to identify them. Medical insurance users are guided.
2. There is no balance in the personal medical insurance account
In addition to purchasing medicines at designated pharmacies, you should also pay attention to whether the balance in your own medical insurance account is sufficient, that is, whether there is a balance in the employee's personal medical insurance account, which directly affects consumer behavior.
3. The medicine purchased is not within the scope of the medical insurance catalog
Another point worth noting is that before using a medical insurance card to purchase medicines, you must know whether the medicines you purchase are within the scope of the medical insurance catalog, because medical insurance drug reimbursement is limited, and not all medicines can be purchased through a medical insurance card. You can check the medical insurance drug catalog on the local medical insurance website or ask the pharmacy staff to avoid unnecessary trouble.
Employee medical insurance is divided into a pooled account and an individual account, while urban and rural residents' medical insurance does not have individual accounts, and all basic medical insurance premiums paid by individual residents are included in the pooled account. Therefore, if you choose to participate in urban and rural residents' medical insurance, you will not be able to enjoy small expenses other than medical insurance reimbursement, such as medicines purchased at designated pharmacies and personal out-of-pocket expenses after reimbursement for medical treatment.