Reimbursement of medical insurance by Harbin Yang Zhiming Dental Clinic
Harbin Yang Zhiming Dental Clinic is a specialized dental clinic located in Harbin, providing patients with oral disease diagnosis and treatment services. For patients, it is a very important question whether medical insurance can be reimbursed. The following will elaborate on the medical insurance type, reimbursement proportion, reimbursement process and medical insurance restrictions.
Medical insurance type
In the medical insurance system of Harbin, there are two main types of medical insurance, namely, urban employees' medical insurance and residents' medical insurance.
The medical insurance for urban employees is mainly applicable to employees working in units, including enterprises and institutions, government agencies, institutions, etc. Residents' medical insurance is applicable to urban and rural residents, including rural residents and urban low-income residents. Therefore, according to the type of individual medical insurance, whether the patient can be reimbursed for the medical expenses in Yang Zhiming Dental Clinic will also vary.
Reimbursement proportion
In the medical insurance policy of Harbin, the reimbursement ratio generally ranges from 70% to 90%, depending on the type of medical insurance of patients and the level of hospitals visited.
For medical insurance for urban employees, the reimbursement rate is generally high, which can reach about 90%. For residents' medical insurance, the reimbursement ratio is generally between 70% and 80% due to fund restrictions. However, it should be noted that there is a ceiling for the reimbursement proportion, and the patients should bear the expenses beyond the ceiling.
Reimbursement process
For Harbin Yang Zhiming Dental Clinic, patients can go to the clinic at their own expense before reimbursement of medical insurance. The specific process is:
The first step is for the patient to visit the clinic. The doctor will make diagnosis and treatment according to the situation, and provide the corresponding cost list.
The second step is to prepare relevant medical expense invoices, medical insurance cards and other materials, and go to the medical insurance agency of the community or village committee to handle the reimbursement procedures.
Third, the medical insurance agency will review the expenses and determine the final reimbursement amount according to the type of individual medical insurance and medical treatment.
Step 4: The patient will return the approved reimbursement amount to himself and keep the relevant reimbursement voucher.
Medical insurance restrictions
Although Harbin Yang Zhiming Dental Clinic can reimburse medical insurance, there are also some medical insurance restrictions.
First of all, the medical insurance can only reimburse part of the expenses, and the excess part needs to be borne at its own expense. Therefore, patients need to know the proportion and limit of medical insurance reimbursement before going to hospital, and make corresponding economic preparations.
Secondly, the scope of medical insurance reimbursement is limited. Some cosmetic oral treatment items, dental implants and other advanced oral items may not be covered by medical insurance. Therefore, patients need to fully communicate with doctors and understand the relevant policies and regulations of medical insurance when selecting medical treatment items.
In general, Harbin Yang Zhiming Dental Clinic can reimburse medical insurance, and the specific reimbursement proportion and process will vary according to the type of medical insurance and medical treatment of individuals. Before seeing a doctor, patients should know their medical insurance type and make corresponding economic preparations. In addition, it is also necessary to communicate with doctors in the clinic to understand the relevant restrictions and regulations of medical insurance. Only in this way can we use medical insurance resources more scientifically and rationally and reduce the burden of medical care.
