1, the medical insurance card has no deductible. Medical insurance card (hereinafter referred to as medical insurance card) is a special card for personal account of medical insurance. It takes personal identity card as the identification code, and stores and records detailed information such as personal identity card number, name, gender, expenditure and consumption of account funds. At the end of the month, the medical insurance office (hereinafter referred to as the medical insurance office) entrusted the bank to transfer the funds in the personal account to the personal medical insurance card of the insured employees.
The medical insurance card can be used to buy medicines at designated pharmacies at ordinary times, and it can also be used to pay for the part borne by hospitalized individuals in outpatient clinics. Employees participating in medical insurance should go to local designated medical insurance hospitals, especially any hospital.
2. As for how to see a doctor, the procedure is as follows: When the insured is sick, he can go directly to the local designated medical institution with the medical insurance manual and IC card. The general process is as follows: holding the medical insurance manual and IC card-registration of the hospital medical insurance office-verification card-hospitalization deposit-hospitalization-self-funded items need the patient's consent and signature-cash or IC card to settle the deductible standard and the self-paid part of the self-paid ratio-the hospital pays the expenses first-and settle the discharge.
3. The hospitalization expenses shall be settled by post-paid service items.
(1) When the insured person is discharged from the hospital, the medical institution can only charge him the following fees: Qifubiaozhun fee, bed fee exceeding the prescribed standard, individual's share of expenses, self-funded project use fee, and expenses within the scope will not be paid. The above expenses can be paid by personal account, and the insufficient part can be paid by personal cash. The expenses paid by the overall fund shall be settled by medical institutions and medical insurance departments.
(2) The hospital bed fee shall be paid according to the prescribed standard.
(3) in a year, more than two hospitalizations, starting from the second time, the deductible line is 50% of the deductible standard for this year; (4) When the insured person leaves the hospital, the medical insurance office of the designated medical institution prints a list of all expenses in triplicate, one for the medical institution, the medical insurance institution and the insured person.
(5) Emergency treatment, there are also specific regulations for people who have settled in other places to see a doctor.