How is the medical insurance card payment calculated?

How is the medical insurance card payment calculated? Analysis of hot topics on the Internet in the past 10 days

Recently, the topic of health insurance card balance calculation and usage rules has once again become a hot topic on the Internet. Many netizens have doubts about how the money on the medical insurance card is accumulated and how to use it. This article will combine the popular discussions on the Internet in the past 10 days, use structured data to analyze how the money on the medical insurance card is calculated, and attach relevant policies and calculation examples.

1. Where does the money for the medical insurance card come from?

The money for the medical insurance card mainly comes from medical insurance payments from individuals and organizations. According to my country's medical insurance policy, employee medical insurance is paid jointly by individuals and units. The specific ratio is as follows:

For example, if a certain local policy stipulates that 30% of the unit's payment should be transferred to the personal account, then:

2. What can the money from the medical insurance card be used for?

The personal account funds of the medical insurance card are mainly used for the following purposes:

1.Outpatient expenses: Registration, examination, medicine purchase, etc. at designated medical institutions.

2.Buying medicine at drug store: Purchase drugs that comply with regulations at medical insurance designated pharmacies.

3.Hospitalization out-of-pocket portion: Medical insurance cards in some areas can be used to pay the hospitalization deductible or self-pay part.

It should be noted that the money on the medical insurance cardYou cannot withdraw money at will(Some areas such as Beijing allow cash withdrawals under special circumstances) and cannot be used for non-medical consumption.

3. How to inquire the balance of medical insurance card

Recently, netizens have been talking about how to check the balance of medical insurance cards. The following are common query methods:

4. The impact of medical insurance reform on personal accounts

The recent implementation of medical insurance reforms in many places has triggered discussions among netizens. Major changes include:

1.The part paid by the unit will no longer be transferred to the personal account: Some regions have adjusted policies, and all unit payments have gone into the overall fund.

2.Increase in outpatient reimbursement ratio: After the reform, more than 50% of general outpatient expenses can be reimbursed.

Take the comparison before and after the reform in a certain place as an example:

5. Answers to hotly discussed questions among netizens

Based on discussions across the entire network in the past 10 days, the high-frequency issues are summarized as follows:

Q1: Will the money on the medical insurance card be cleared?
A: No. The balance in the personal account of the medical insurance card accumulates year by year and will not be cleared upon expiration.

Q2: Can family members use my medical insurance card?
A: In some areas, family assistance is allowed, but binding procedures are required. Direct loan may be against the rules.

Q3: Can the money from the medical insurance card still be used after leaving the company?
A: You can continue to use the balance, but you need to continue paying for medical insurance with a flexible employment status to continue to be credited.

From the above analysis, it can be seen that the money for the medical insurance card mainly comes from individual and unit payments, and the calculation method varies by region and policy. Although the recent medical insurance reform has reduced personal account recording, it has increased outpatient reimbursement benefits. It is recommended that insured persons pay more attention to local policies and use medical insurance funds rationally.