First, outpatient minor illnesses such as colds and fevers can be dealt with in the community health care institutions, not only professional physicians to guide the use of medication, but also enjoy 60% reimbursement (national basic drugs preferential up to 70% Oh), reimbursement of up to 1,600 yuan per year, and then the remaining part of the brush the personal account. The premise of enjoying these treatments is to sign a service agreement with the community (official name: general outpatient co-ordination service agreement – free). Second, chronic diseases Outpatient major disease co-ordination, there are 43 types of diseases included in the outpatient major disease reimbursement, you can enjoy the same reimbursement policy as hospitalization in the outpatient clinic, how preferential? How favorable is it? Medicines within the scope of medical insurance can reach 90% reimbursement rate, and it is still free to sign up! For patients with chronic diseases such as hypertension and diabetes, it is not only money-saving but also convenient. There is a common misconception that many patients prefer to sign up at large hospitals in order to receive more specialized medical services, which is in fact completely unnecessary. A better approach is to be designated in the community, register for regular reviews at major hospitals, have the doctor prescribe medication, and then return to the community with the prescription to pick up the medication. Community medicine is not only cheaper than large hospitals, many communities also spontaneously provide drug delivery services! It is convenient for many elderly people to have their medicines delivered to their doorstep with a single phone call. Elderly people (over the age of 60) with serious chronic illnesses that affect their ability to take care of themselves can apply for long-term care at a community healthcare organization, nursing home, or hospital that is qualified as a “designated long-term care facility”. The organization will ask the applicant to fill out an assessment form, and if the elderly person’s self-care ability is below 60 points after the assessment, then the organization will apply to the social security system for long-term care on behalf of the elderly person, and the application will be successful. After successful application, the elderly will be entitled to 90% to 96% reimbursement of medical expenses, with a daily payment quota of RMB 60 (at home or in the community), RMB 170 (in secondary hospitals) and RMB 200 (in tertiary hospitals). Hospitalization If you are unfortunate enough to be hospitalized, you can still save a lot of money by making reasonable use of the health insurance policy. First of all, please refer to the first article, if you have participated in the general outpatient co-ordination (again, free oh), let the community to give you a referral procedure (also free), can make the reimbursement of the starting line halved (original price of the third level of hospitals, 840, the second level of hospitals, hospitals 670, first level of hospitals, 500,), 5,000 yuan within the medical expenses, but also reimbursement of 2% more points. If you have not done so, it is still valid if you make up for it within three days after hospitalization. Secondly, be careful to choose services outside the scope of medical insurance, if you need to use drugs, equipment, inspection, etc. outside the scope of medical insurance reimbursement, this part of the cost of medical insurance is not reimbursed for a penny, the doctor will usually let the patient or family members to sign the first confirmation, this time you should ask the doctor to explain whether it is necessary. A better way is to ask the attending doctor to make a prediction of the total cost and reimbursable expenses before hospitalization, so as to have a psychological expectation, generally speaking, this kind of prediction is still more reliable. Lastly, and most importantly, trust your doctor and don’t fall out with him or her over the cost. In the process of overcoming the disease, doctors and patients should be side by side cooperation, rather than mutual suspicion. Fourth, the field medical If you need to go to the field for medical treatment, generally divided into two cases, right. One is a temporary outing, such as: in Beijing and Shanghai to find a famous doctor hospital surgery, or in the field in an emergency situation requires treatment, this situation generally need to be in Qingdao for referral (keywords: referral), referral to a different place has a longer approval procedures, to find a local hospital in Qingdao for approval (the doctor in charge of the department, the head, the director of the hospital, the hospital health insurance office), and then to find the medical insurance filing to be able to do so. Note that the record to go to a foreign clinic before incurring medical expenses Oh, otherwise the first visit to the medical expenses will not be reimbursed. According to my personal experience, this approval process is basically a five-gate process, any one of the links in parentheses may cut you down. Here come the alternatives. First, if it is an emergency, such as in the field suddenly abdominal pain such as churning the need for surgery, then the first peace of mind to treat the disease, cured when the checkout remember to take the three things (the official hospital receipts/invoices, medical records/discharge records, stamped the most detailed list of costs, back to Qingdao health insurance to report; second, if it is an oncological disease, then you can skip the approval of the local hospital link, go directly to the health insurance for referral from other places ( Fuzhou South Road west of that), checkout or to take a good three things (ibid), back to Qingdao health insurance also reported, the price is the reimbursement rate decreased by 5%. Another kind of foreign medical situation is a long-term out, for example: rely on the children to live abroad, this situation needs to be in the field to choose three local medical insurance recognized medical institutions, and then before going to the medical insurance relationship will be transferred to the field, the checkout take three things (still the same as the above), back to the reimbursement can be made. V. Major Diseases Major disease reimbursement policies. These policies, maybe you can’t use them in your life, but if unfortunately there is a need, it definitely saves money to save your life. (A) urban workers health insurance, residents health insurance participants, you can enjoy these policies (can be repeated): 1, special disease relief: uremia dialysis, organ transplantation anti-rejection patients, after reimbursement by the health insurance, out-of-pocket more than 3,000 yuan part of the rescue, according to 70%, 100,000 cap. 2.Scope of the large amount of aid: medical insurance reimbursement within the scope of out-of-pocket expenses (that is, within the medical insurance reimbursement catalog, according to the policy of reimbursement, but still need to bear the part), more than 20,000 yuan of the portion of the aid, 70% of the aid, there is no ceiling line. 3.Exceeding the limit of aid: the maximum payment limit plus 200,000 yuan (before 600,000 yuan, plus later is 800,000 yuan), this part of the aid by 90%. 4.Special Drugs Relief: Special drugs included in the scope (currently 11 kinds) can enjoy 70% relief without starting line. 5.Special materials assistance: special medical materials (currently 2 kinds) can be included in the scope of no starting line, enjoying 70% of the assistance. 6.Out-of-scope large amount of assistance: the medical insurance reimbursement outside the scope of the cost (because not in the medical insurance reimbursement catalog, the previous need to pay out of pocket), more than 50,000 yuan of the part of the aid, 60% of the aid, 100,000 yuan ceiling. The above scope of assistance, there are many excluded items are not included. For example, nutrition, non-rescue blood transfusion, named surgery fees, PETCT, eyeglasses, dentures, hearing aids, the cost of organ sources, and so on, please check online for details. (ii) Participants of the New Farmers’ Cooperative, can enjoy the following policies: 1. Suffering from 22 kinds of major diseases (if necessary, please check online), within the scope of reimbursement of the New Farmers’ Cooperative, the portion of out-of-pocket expenses exceeding 3,000 yuan will be assisted at 60%; the portion of expenses outside the scope of reimbursement of the New Farmers’ Cooperative, exceeding 3,000 yuan, will be assisted at 20%. 2. For other diseases, 60% of the out-of-pocket expenses exceeding 20,000 RMB within the scope of reimbursement by the New Agricultural Cooperative Medical Program (NACMP); 20% of the expenses exceeding 40,000 RMB outside the scope of reimbursement by the NACMP. 3. The above aid policy has a cap on the out-of-scope expenses reimbursed by the New Rural Cooperative Medical Insurance, which shall not exceed 10% of the out-of-scope expenses in the first-level institutions (township health centers); not more than 20% in the second-level institutions (county hospitals and some specialized hospitals in the city); and not more than 30% in the third-level institutions (general hospitals in the city). If the out-of-scope cost exceeds the upper limit, it will be recognized only according to the upper limit. (4) The total amount of annual assistance shall not exceed 100,000 yuan. (c) After the above assistance and still have difficulties If your family is in extreme difficulty due to illness, you can consult your local Civil Affairs Bureau and apply for “special assistance” (Civil Affairs Bureau, Special Assistance). However, this type of assistance cannot be processed immediately as in the previous case, and requires the patient to pay the medical fees in the hospital in accordance with the normal procedures, as well as a longer period of time to wait for the completion of the income and property audits. People in special need who pass the audit can receive special emergency assistance with no ceiling.