[Encyclopedia] Proper use of medical insurance cards

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This post was last edited by O.K. on 2015-6-26 08:49. Many people have a medical insurance card, and there are certain things to keep in mind when using it; otherwise, one might suffer consequences! If one falls seriously ill and needs hospitalization, it’s simple: just hand over the card to the hospital and one can receive treatment with peace of mind. It’s okay if there’s no money in the card at all. Upon discharge, the hospital will settle the bill with the health insurance agency, and the individual only has to cover one-third of the cost. What about seeing a doctor in an outpatient clinic? Then the outpatient expenses have to be paid with the balance on the card. What if the balance on the card is used up? Pay out of your own pocket, right. Not bad. However, once our out-of-pocket expenses exceed 1,200 yuan, the excess amount can be reimbursed at a rate of 60 percent. For example: if you spend 2,000 yuan on outpatient treatment, the excess amount of 800 yuan can be reimbursed by 480 yuan, so you only need to bear 320 yuan yourself; the hospital and the medical insurance agency will handle the settlement directly, so you don’t need to worry about it. But please note: before going to a hospital for treatment, you must first visit a community hospital; this step must not be skipped under any circumstances! Otherwise, even if you spend ten thousand or eight thousand, I’m sorry – there won’t be a single penny in reimbursement; you’ll have to pay everything out of your own pocket! I’m afraid many people are unaware of this rule. It is sufficient to visit a community hospital once a year; therefore, please go for a check-up in January of each year. It is advisable to visit a large general hospital first and then a traditional Chinese medicine hospital, to facilitate future medical consultations. There is no need for referral to see a doctor at specialized hospitals, such as neurology hospitals, thoracic hospitals, oncology hospitals, dental hospitals, etc., as these hospitals are irreplaceable. The out-of-pocket portion can be accumulated; as long as 1,200 yuan is reached each year, the excess amount can be reimbursed on a proportional basis. There are many policies that we often are not clear about. If you don’t believe it, ask the people around you – how many of them know about this rule?