本文目录一览:
- 1、医疗费用怎么报销
- 2、医保怎么报销?
- 3、医疗保险怎么报销
医疗费用怎么报销
【法律分析】
1.医疗费用报销带齐以上资料到当地社保中心相关部门申请办理,经审核,资料齐全、符合条件的,就可以即时办理。2.报销材料:1、病人入院三日内凭《入院通知书》和《医疗保险证》到所住定点医院医疗保险办公室办理医保登录手续。住院期间《医疗保险证》由医院医保办留存,出院结算时还给本人。超过三日不办理登录手续的,住院医疗费自负。2、出院时应先到医院医保办办理医保出院结算手续。3、参保居民按时足额缴纳医疗保险费的,病人出院时属于医疗保险统筹基金支付的医疗费用,由医院直接与患者结算报销。
【法律依据】
《中华人民共和国城镇职工基本医疗保险条例》
第四十四条 病人使用个人帐户时,可以在任何一个定点医疗机构和定点药店就医、购药。医疗费用按规定由统筹基金支付的,病人应当到指定的定点医疗机构就医。
第四十六条 定点医疗机构和定点药店应当遵守国家和本省医药卫生和基本医疗保险规定,不得以任何方式损害参保人员的合法医疗权益。定点医疗机构必须向病人告知有关医疗服务及收费明细情况。
医保怎么报销?
一、商业医疗保险的报销范围
商业医疗险报销分为两类:
1)只报销医保范围内的费用,自费部分不报销。
2)社会医保剩余部分内外全部报销。
但要注意的是,很多商业医疗险都有免赔额。
1.商业医疗险的报销流程
1)及时报案
2)准备理赔资料
奶爸这里整理了一下人身险理赔所需要的材料,如下图:
作为医疗险理赔,我们除了要准备好通用资料外,还应该准备好医院病历、医疗费用发票、费用明细清单这些材料。
3)等待保险公司审核
4)给付保险金
二、社会医保如何报销?
1、社会医保报销要注意的问题
社会医保的三个分类:
甲类:可以报销100%。
乙类:部分报销。对于未报销的这部分费用,医保卡个人账户里有钱就刷医保卡,没钱就使用现金支付。这里要提醒的是,如果是城镇医疗和新农合,直接支付现金就好。
丙类:完全自费。大部分进口药、特效药都在这个范围内,自费既没有报销的钱全都要自己出。
2、社会医保报销流程
1)办理报销申请手续
2)等待材料审核
3)报销申请完成
三、奶爸总结
看了以上的内容,相信很多小伙伴都感觉到很复杂和麻烦。尽管相对复杂,还是需要有所了解的。这样可以更大限度的避免投保后理赔发生纠纷。或者也可以寻找专业人士对保单理赔进行协助。最重要的,还是奶爸一直强调的,以保险合同内容为准进行投保。单一的医疗险也无法覆盖全面的风险保障,需要不同的险种彼此配合进行协调。
除了医疗险,我们还需配齐寿险、重疾险和意外险,给自己更大的保障,如果不懂如何配置保险,奶爸建议看这篇文章学习《揭穿保险销售六大坑!教你如何正确配置保险》
医疗保险怎么报销
医疗保险的报销 *** 如下:
要报销医疗费用,要在去医院看病治疗或者去指定药店购药的时候带上医保卡和本人的身份证,而现在不少地方医保卡都和社保卡已经合并成一卡通,因此直接带上社保卡也可报销。
若是帮他人去指定药店购药,除了出示对方的身份证、医保卡或社保卡之外,还需出示本人的身份证,并需要由药店登记备案。
如果是住院治疗,在出院的时候带上主治医师开具的诊断证明书去门诊收费处盖章生效,再带上住院通知单、住院押金条收据等住院材料,以及本人的身份证、医保卡或社保卡到医院收费结算处现场办理报销即可。
测一测你的抗风险指数,专家为你免费解读!
医疗报销
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