Can IVF medical treatment enjoy medical insurance reimbursement?
As an assisted reproductive technology, IVF medical treatment has brought fertility hope to many infertile couples. However, the cost of IVF medical treatment is very expensive, and families may have to bear enormous economic pressure. Therefore, many people are concerned about whether IVF medical treatment can enjoy medical insurance reimbursement? This article will elaborate on this issue from many aspects.
national policy
First of all, we need to understand the national policy on IVF medical treatment. In 2018, the Chinese Health Commission issued the Administrative Measures for Assisted Pregnancy Technology, which clearly stipulates the management requirements for IVF and other assisted reproductive technologies. According to this document, IVF medical treatment can meet the conditions of medical insurance reimbursement, but whether it can enjoy medical insurance reimbursement depends on the relevant policies of local medical insurance departments and the medical insurance agreement of the hospital where the IVF is located.
Some local government medical insurance policies have included IVF medical treatment in the scope of reimbursement. For example, Beijing's medical insurance policy clearly stipulates that IVF medical treatment can enjoy medical insurance reimbursement. However, in other places, IVF medical treatment has not yet been included in the medical insurance reimbursement, and patients need to bear their own costs.
Medical insurance agreement of the hospital
In addition to the medical insurance policy of the local government, the medical insurance agreement of the hospital where the IVF is located is also an important factor for whether the IVF can enjoy medical insurance reimbursement. Some large general hospitals have signed agreements with local medical insurance departments to include IVF medical care into the medical insurance coverage, so that patients can enjoy medical insurance reimbursement. However, some private clinics or professional IVF hospitals may not have signed an agreement with the medical insurance department, and patients cannot enjoy medical insurance reimbursement when conducting IVF medical treatment in such hospitals.
Therefore, if patients want to enjoy medical insurance reimbursement, they should choose hospitals that have signed agreements with the medical insurance department for IVF medical treatment. Some public hospitals or large general hospitals usually have close cooperation with the medical insurance department, so attention should be paid to the cooperation with the medical insurance department when selecting hospitals.
Proportion of medical insurance reimbursement
In addition to enjoying medical insurance reimbursement, we also need to know the proportion of medical insurance reimbursement for IVF medical treatment. In the case of medical insurance reimbursement, patients may have to pay part of their own expenses. The proportion of medical insurance reimbursement varies according to the medical insurance policies of different regions, usually ranging from 80% to 90%.
For example, the medical insurance policy of Beijing stipulates that when patients enjoy the reimbursement of IVF medical insurance, they will pay 20% of the expenses themselves. Therefore, if the patient's IVF medical expenses are 100000 yuan, the patient needs to pay 20000 yuan after the actual reimbursement. This requires patients to prepare for expenses in advance and understand the actual reimbursement under the medical insurance policy.
summary
To sum up, the medical insurance reimbursement of IVF is related to the medical insurance policy of the local government and the medical insurance agreement of the hospital. Some places have included IVF medical treatment into the medical insurance scope and signed agreements with relevant hospitals to enable patients to enjoy medical insurance reimbursement. However, there may be differences in the specific policies of each place. Before IVF treatment, patients should understand the relevant policies in detail and choose the appropriate hospital for treatment.
In addition, even if medical insurance reimbursement is available, patients still need to pay a certain proportion of their own expenses. Therefore, the burden of IVF medical expenses is still a problem to be considered. It is hoped that in the future there will be more places to include IVF medical care in the medical insurance coverage, and increase the reimbursement rate to reduce the financial burden of patients.
