How to reimburse for medicines for chronic diseases

In essence, as long as the medicine you buy is in the local medical insurance drug catalog, it can be reimbursed by medical insurance in most cases. Prioritizing outpatient chronic disease registration can get the highest reimbursement ratio. Without registration, you can also use general outpatient services to cover the cost.

To put it bluntly, outpatient chronic disease treatment is actually the "exclusive discount channel" provided by medical insurance to patients with chronic diseases, which is much deeper than the discount for ordinary outpatient services. I used to help a relative in my family register for a chronic disease related to hypertension. He used to spend nearly 200 yuan a month each time he prescribed antihypertensive drugs. His personal account was completely swiped. After registration, he only paid less than 40 yuan a month. The overall fund directly claimed 80%. Calculated, it saves 2,000 yuan a year. Of course, not all chronic diseases can be eligible for this "exclusive discount". The catalogs and identification standards of chronic diseases vary widely in different places. For example, in some places, complications such as hypertension and myocardial infarction and cerebral infarction are required to be included. Simple essential hypertension can only be treated as a general outpatient service. After passing the deductible of one to two hundred per year, you can claim 50%-70%. Although it is worse than the treatment for chronic diseases, it is still more cost-effective than paying entirely out of pocket.

If you happen to be hospitalized for an examination, and the chronic disease medications prescribed by the doctor will be directly calculated into the total hospitalization expenses, you can submit the hospitalization comprehensive report together, without having to go through the outpatient process separately. If you are too lazy to go to the hospital to queue up, as long as there is a pharmacy downstairs that has registered as a "medical insurance designated point" and has opened outpatient coordinated settlement, you can directly swipe your card for reimbursement when buying chronic disease drugs in the catalog. The pharmacy downstairs of my home now has a special area for chronic disease medication. Many elderly people prescribe medicine directly there, which saves more than half an hour of registration and queuing time than going to the hospital.

Nowadays, there are many people who live in different places. As long as they register for medical treatment in other places in advance on the medical insurance mini program, they can pay directly for chronic disease medicines purchased at designated hospitals and pharmacies in other places. There is no need to save a thick stack of invoices and go back to your hometown to go to the medical insurance bureau for reimbursement like in previous years. Of course, there are still many areas that need to be improved. For example, some chronic disease medications for rare diseases have not yet been included in the local medical insurance catalog, and even if they are registered, they cannot be reported. There are also some remote areas where chronic disease registration can only be done through offline windows, and online processing channels have not yet been opened. Many people are also calling for these gaps to be filled as soon as possible. Now, various regions are dynamically adjusting the medical insurance catalog and chronic disease identification rules every year, and the scope of coverage is indeed slowly becoming wider.