1. Seek medical treatment and buy medicines at designated institutions. Whether you are seeing a doctor, being hospitalized, or buying medicines, you can only swipe your medical insurance card at designated medical insurance institutions. Other hospitals have to pay for it yourself. And you must remember which hospitals are insured by you. It is best to go to these places for medical treatment. Otherwise, paying for medical insurance and not using it will be in vain.
2. Do not transfer to another hospital privately. When you go to the hospital for medical treatment, the medical insurance will keep a record of the hospital where you are located. This is to control the reimbursement loopholes and allow the medical expenses to be truly spent on the patient himself. Many people transfer to another hospital privately without knowing the situation, and end up with the result that they cannot report. Therefore, when you need to transfer to another hospital, you must apply for the transfer and complete the procedures before transferring. In addition, the reimbursement ratios of different hospitals are also different. Generally speaking, the higher the level of hospitals, the lower the reimbursement ratio.
3. You can only apply after passing the threshold. What is the deductible? Even if the basic medical expenses are not met, they will not be reimbursed. The regulations vary from place to place, but they are generally around 1,000 yuan. Secondly, there is also an upper limit for medical insurance reimbursement. For example, for hospitalization reimbursement, the maximum reimbursement is about 100,000 yuan per year. In first and second cities, it may be higher, reaching about 200,000 yuan. The excess must be paid by yourself. If you don’t know, it’s best to ask in advance.
4. Which medicines cannot be reimbursed? There is a range of drugs reimbursed by medical insurance. There are more than 2,000 kinds of drugs that can be reimbursed, and there are 190,000 kinds of drugs that cannot be reimbursed, especially imported drugs and patented drugs. Before taking medicine, you should communicate with your doctor whether you need to use imported medicine. If necessary, the purpose of treating the disease should be to use whatever medicine should be used. If there is no need, it is best to use drugs covered by medical insurance, because medical treatment is all about the effect. If the effect is achieved, why not control the cost of medical treatment for yourself?
5. Special surcharges cannot be reimbursed. What is a special surcharge? For example, special wards used for hospitalization or specialized medical staff are not required. These special needs cannot be reported.
6. Do not exceed the reimbursement time limit. This is the most important thing to pay attention to. Many people don’t know that medical insurance is timely. It takes a long time to fully examine many diseases. Once the reimbursement time limit is missed, you will undoubtedly suffer a big loss. This time limit varies from place to place, but is generally within six months after treatment. Please check with your local hospital for details.