However, there is no money in the personal account for hospitalization medical insurance every month, and the money in the personal account can only go out. The effect of swiping a medical insurance card when seeing a doctor is equivalent to swiping a bank card, which is the same price.
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Remind the landlord of a real problem.
First, comprehensive medical insurance means that all hospitals in Shenzhen can register with medical insurance cards as long as they can support it. Every time you swipe your card to register, the Social Security Bureau will directly pay 12~ 14 yuan registration subsidy to the hospital. Therefore, it is cheaper to register with a comprehensive medical insurance card than to register without a credit card 12~ 14 yuan.
Two, hospitalization medical insurance can only be registered in the designated community health hospital (that is, binding a community health). The social security card is registered and bound, and the Social Security Bureau directly pays 12 yuan registration subsidy to the social health hospital; In an unbound hospital, you can only register in cash, not with a medical insurance card.
Third, when you are in the state of "comprehensive medical insurance before, but now you are transferred to inpatient medical insurance, although the type is hospitalization but your personal account is rich", you can still register with the medical insurance card at the designated medical insurance hospital in Shenzhen. However, when your personal account balance of medical insurance card is equal to 0, you can't register with medical insurance card when you go to an unbound hospital, but you can only register for medical treatment with cash.
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How to maximize the interests of the landlord? The method is as follows:
Show the hospitalization medical insurance card when registering (saving compared with cash registration 12~ 14 yuan! ), when paying the examination fee, treatment fee and medicine fee, don't show your medical insurance card or directly tell the toll collector, "I am a hospital medical insurance card and pay cash at my own expense. Please don't take the money from my medical insurance card. "
(If the landlord pays the examination fee, treatment fee and medicine fee with the money in his personal account, then the money in that person's account will soon run out. At that time, many hospitals will not get the registration subsidy and can only register in cash. )
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Well, starting from July, all drugs in Shenzhen will be zero-added (before July 1, hospitals can add 15% to the purchase price of drugs for resale).
Will patients worry that the hospital will falsify the purchase price of drugs? Drugs are invited by tender in Guangdong province, and the price is fixed. Hospitals can't cheat.
After the addition was cancelled, the drug price was reduced by about 15%. From July 20th, the registered medical fees in Shenzhen were raised 12 ~ 14 yuan (all tertiary hospitals were raised 14 yuan). Shenzhen media calculated that if you buy 93.3 yuan of medicine at the time of payment, the price of medicine will be reduced and the price of medical charges will be increased. In other words, after July, if you see the same disease, if you buy more than 93.3 yuan of medicine, the overall cost is cheaper than before July.
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The front is only background knowledge, and the increase in medical expenses is linked to the decrease in drug prices. However, at the same time that the medical expenses increased 14 yuan, the Social Security Bureau decided to help the insured bear this 14 yuan.
For example, before July 20, the comprehensive medical insurance insured person hangs the next highest number, pays 1 yuan in cash, and deducts 6 yuan from his personal account;
After July 2 1, when the insured person of comprehensive medical insurance failed the secondary school, he paid 1 yuan in cash, and the consulting fee was increased from 6 yuan to 20 yuan, but the Social Security Bureau paid 14 yuan to the hospital, and the personal account of the insured person was still only deducted from 6 yuan.
As for the medical insurance for migrant workers, the registration fee can only be enjoyed in the bound social health hospital, which is cheaper than cash registration. It is impossible to get the medical subsidy from the Social Security Bureau when going to other hospitals, and the same is true for inpatient medical insurance.
For the comprehensive medical insurance insured, the registration fee has not changed. As before, the price of simple drugs has been reduced.
For those who didn't buy medical insurance, the registration fee will increase by 14 yuan, and the drug price will be zero (for those who often buy drugs, the price of drugs will be more obvious).
Before July, the registration fee for medical treatment in Shenzhen was the same as that for cash registration. After July 2 1, the amount paid by comprehensive medical insurance registration is cheaper than that paid by cash registration 14 yuan-in fact, it is a medical subsidy that the Social Security Bureau is willing to give to the insured. Without this subsidy policy, the amount paid for medical insurance card registration and cash registration is still the same.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.