Residents' medical insurance can purchase medicines at designated pharmacies, and directly use the medical insurance fund to pay medical expenses that meet the basic medical insurance drug list. Drugs are divided into Class A and Class B. Class A drugs can be fully reimbursed, and Class B drugs need to be paid by individuals in advance, and the rest will be paid by the medical insurance fund. In addition, the medical insurance card can also be used to buy drugs online, but the drugs purchased must conform to the medical insurance drug list in the area where this function is opened and be purchased at designated pharmacies.
Employee medical insurance reimbursement scope:
1. Drug expenses: including western medicines, Chinese patent medicines and some over-the-counter medicines listed in the medical insurance catalogue;
2. Outpatient expenses: including registration fees, medical treatment fees, inspection fees, etc.
3. Hospitalization expenses: including bed expenses, operation expenses and nursing expenses.
4. Special treatment expenses: such as dialysis, radiotherapy, chemotherapy and other special treatments;
5. Expenses of assistive devices: such as artificial limbs and orthoses, etc., are included in the medical insurance regulations.
6. Maternity expenses: covering related expenses stipulated in maternity insurance;
7. Chronic disease expenses: There is a special reimbursement policy for the long-term treatment expenses of patients with chronic diseases.
To sum up, employees' medical insurance and residents' medical insurance can buy medicines in pharmacies, and residents' medical insurance can directly use the medical insurance fund to pay the expenses that meet the basic medical insurance drug list. Class A drugs can be fully reimbursed, and Class B drugs need to be paid in advance by individuals, and the rest can be paid by the medical insurance fund. In addition, you can also use the medical insurance card to buy drugs online, but you need to buy drugs that meet the medical insurance drug list at designated pharmacies in areas where this function is opened.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 28
Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.