Can the expenses of all femtosecond surgery of Peking Union Medical College Hospital be reimbursed?
Wuhan Union Medical College Hospital is a well-known Grade III A hospital with advanced medical facilities and professional doctors. In recent years, with the popularization and development of myopia surgery, more and more patients choose to undergo full femtosecond surgery in the Union Medical College Hospital to get rid of the dependence on glasses and contact lenses. However, the cost of this high-tech surgery is relatively high, and many patients are concerned about whether they can reduce their financial burden through reimbursement.
Medical insurance coverage
First, we need to understand the coverage of medical insurance. According to the national medical insurance policy, the operation expenses within the medical insurance coverage can generally be reimbursed, but for some high-tech operations, certain conditions may need to be met before reimbursement. As a relatively new technology, full femtosecond surgery has not been clearly defined in the reimbursement scope of medical insurance.
Therefore, under the current medical insurance policy, the cost of full femtosecond surgery cannot be reimbursed through medical insurance. However, the specific situation may vary from region to region and from individual to individual. It is recommended that patients consult the medical insurance department of the hospital before visiting the hospital to find out whether there is the possibility of individual reimbursement.
Coverage of commercial medical insurance
In addition to medical insurance, some commercial medical insurance also covers reimbursement of ophthalmic surgery. Patients can reduce the economic pressure of full femtosecond surgery by purchasing commercial medical insurance. Different commercial medical insurance companies have different regulations. Some companies may indicate in the insurance contract that some special surgical items can be reimbursed, while some companies may decide whether to reimburse according to the actual situation.
Therefore, if the patient has commercial medical insurance, it is recommended to consult the insurance company before use to understand the reimbursement of full femtosecond surgery to ensure that their own interests are protected.
Personal payment and loan options
For patients who cannot be reimbursed through medical insurance and commercial medical insurance, they can choose to pay for full femtosecond surgery individually. Generally speaking, the hospital will provide different prices of the surgical program, according to the different needs of patients and economic conditions, choose their own surgical program.
In addition, some hospitals also provide installment payment or loan services, so that patients can repay the surgery costs in installments. Patients can choose to negotiate with the hospital and choose their own repayment method to reduce the economic burden.
summary
The cost of all femtosecond surgery in Peking Union Medical College Hospital cannot be reimbursed through medical insurance at present, but patients can consider purchasing commercial medical insurance and choosing personal payment or loan to reduce economic pressure. It is recommended that patients consult the medical insurance department and insurance company of the hospital before visiting the hospital to understand the specific reimbursement situation under personal circumstances. At the same time, although the cost of full femtosecond surgery is high, its characteristics of efficiency, accuracy and safety provide an effective treatment option for myopia patients.
