Can Yinchuan Tianyongcheng Plastic and Cosmetic Clinic reimburse medical insurance?
Located in Yinchuan, Ningxia Hui Autonomous Region, China, Yinchuan Tianyongcheng Plastic and Cosmetic Clinic is a medical institution specializing in plastic and aesthetic services. When considering plastic surgery, many people will be concerned about whether the expenses can be reimbursed through medical insurance. This issue is described in detail in the following four aspects: medical insurance policy, plastic surgery reimbursement, personal medical insurance and outpatient department's medical insurance agreement.
1、 Medical insurance policy
According to China's medical insurance policy, plastic surgery is generally not covered by medical insurance. The medical insurance mainly covers the treatment and operation costs of diseases, while plastic surgery is considered a voluntary cosmetic behavior, which is a non-medical operation, so it is not included in the scope of medical insurance reimbursement.
However, according to different regions and different medical insurance policies, there may be some special cases where plastic surgery can be reimbursed. For example, the appearance defect caused by congenital malformation or trauma may belong to medical needs, and the cost of plastic surgery can be reimbursed as a medical insurance item after the approval of the hospital. However, this situation is a case, which requires consultation and application with the medical insurance department according to the actual situation.
2、 Reimbursement of reshaping items
Generally, the cost of plastic surgery items will not be reimbursed by medical insurance. The expenses of plastic surgery and cosmetology include operation expenses, material expenses, anesthesia expenses, hospitalization expenses, etc. These expenses belong to the category of individual self payment. Therefore, patients need to pay all the expenses at their own expense when undergoing plastic surgery.
It is worth mentioning that some hospitals will adopt installment payment or provide loans to ease the financial burden of patients. Patients can negotiate with the hospital to choose their own payment method.
3、 Personal medical insurance
In addition to plastic surgery itself is not within the scope of medical insurance, personal medical insurance will also have an impact on reimbursement. Medical insurance is generally divided into three types: urban employee medical insurance, urban resident medical insurance and new rural cooperative medical insurance. The reimbursement scope of urban employees' medical insurance is generally wide, followed by that of urban residents' medical insurance, while the reimbursement scope of the new rural cooperative medical system is relatively narrow.
The reimbursement proportion and reimbursement limit will also be different according to the individual medical insurance type. Generally speaking, individuals need to bear part of the medical expenses, and the reimbursement ratio is generally 60-90%. The specific reimbursement proportion and reimbursement limit can be learned from the personal medical insurance voucher or consult the medical insurance department.
4、 Agreed medical insurance in outpatient department
The outpatient department may also reach an agreement with the medical insurance department to include some plastic surgery items in the medical insurance reimbursement scope. In this case, the patient can perform plastic surgery in the outpatient department and use the medical insurance card to settle the expenses. However, this situation is rare, and the specific scope of the agreement may vary from hospital to hospital and from region to region.
In a word, in general, the operation expenses of Yinchuan Tian Yongcheng Plastic and Cosmetic Clinic will not be reimbursed through medical insurance. Plastic surgery is a voluntary cosmetic behavior, not a medical category. However, in some special cases, according to the specific policies of hospitals and regions, there may be a few cases of reimbursement. Therefore, when considering plastic surgery, patients need to know their medical insurance situation in advance, and consult with the hospital to confirm whether there is a related reimbursement policy.
