Can Hangzhou * * Dental Hospital reimburse medical insurance?
As the capital city of Zhejiang Province, Hangzhou has many high-quality medical resources. Dental treatment is an important part of people's daily life, but many people are concerned about whether the dental hospital in Hangzhou can reimburse medical insurance. The following details whether Hangzhou Dental Hospital can reimburse medical insurance from four aspects: medical insurance policy, hospital cooperation, medical insurance fixed-point and reimbursement ratio.
1、 Medical insurance policy
According to the medical insurance policies of the state and Zhejiang Province, dental care is not covered by the basic medical insurance. The basic medical insurance usually only covers general diseases and emergencies, and there is no reimbursement for dental treatment. However, in some special cases, dental operations, such as oral and maxillofacial surgery, oral implants, oral restorations and other necessary treatment operations, can be reimbursed according to the medical insurance policy. Therefore, it is necessary to understand the specific reimbursement scope and conditions in the medical insurance policy.
Compared with basic medical insurance, commercial medical insurance will be different according to the insurance plans purchased by individuals. Some high-end commercial medical insurance plans may include reimbursement of dental treatment expenses, but it should be noted that commercial medical insurance will have its own restrictions and conditions, such as age limit, waiting period, etc. Therefore, it is necessary to carefully understand the specific terms of the purchased commercial medical insurance in advance.
2、 Hospital cooperation
Corresponding to Hangzhou's medical insurance policy, Hangzhou's dental hospitals usually cooperate with medical insurance institutions. The significance of hospital cooperation is that it can provide more convenient medical services for patients through the way of medical insurance fixed-point.
First, dental hospitals that cooperate with medical insurance institutions can often directly settle accounts with medical insurance institutions, eliminating the intermediate process of patient reimbursement. Patients only need to show valid medical insurance cards and relevant certificates when they visit the hospital, and the hospital will directly settle the expenses with the medical insurance institution, which greatly improves the convenience of visiting the hospital.
Secondly, dental hospitals that cooperate with medical insurance institutions are generally considered to have a certain level of professionalism and quality of service, and medical insurance institutions often review and recognize the technical equipment of hospitals and the qualifications of doctors. Therefore, dental hospitals that choose cooperative medical insurance institutions can improve patients' trust in hospitals to a certain extent.
3、 Medical insurance designated point
In Hangzhou, designated medical insurance refers to the hospitals included in the designated medical institutions of Hangzhou Medical Insurance Bureau. By selecting designated hospitals for medical insurance, patients can enjoy more medical insurance reimbursement and preferential treatment.
According to the different types of medical insurance of individuals, you can select a dental hospital suitable for you from the designated hospitals for medical insurance. The designated hospitals of medical insurance can provide more specific medical expense lists for patients. Patients can choose appropriate treatment schemes according to their own needs, and can also better understand the items and proportion of medical insurance reimbursement.
In addition, medical insurance designated hospitals usually have some cooperation with pharmacies. Patients can easily purchase medical insurance drugs through medical insurance designated hospitals and enjoy corresponding reimbursement and preferential policies.
4、 Reimbursement proportion
According to the regulations of Hangzhou Medical Insurance Bureau, the reimbursement ratio of medical insurance usually varies according to different items. For dental treatment, the reimbursement rate is generally low. The specific reimbursement proportion needs to be determined according to the different medical insurance policies and designated hospitals.
Therefore, before receiving dental treatment, patients need to know the proportion of medical insurance reimbursement in advance, and select designated hospitals for medical treatment to ensure that part of the costs of dental treatment can be reimbursed by medical insurance.
Summary
In general, dental hospitals in Hangzhou are subject to some restrictions and conditions in terms of medical insurance reimbursement. Basic medical insurance usually does not include reimbursement of dental treatment costs, but commercial medical insurance may provide this service. Dental hospitals cooperating with medical insurance institutions can provide more convenient medical services for patients and are recognized by medical insurance institutions. By selecting designated hospitals for medical insurance, patients can enjoy more medical insurance reimbursement and preferential treatment. However, the reimbursement rate of dental treatment is generally low, which needs to be verified according to specific items and medical insurance policies. Therefore, it is necessary to understand the medical insurance policy in detail and select the appropriate designated hospital for dental treatment.
