When an insured person goes to the hospital for illness, the doctor will ask if he or she has medical insurance. For those with medical insurance, medical expenses will generally not be advanced by the individual when they are hospitalized. When going through hospitalization procedures, you need to submit your social security card or ID card to the hospital, and pay a threshold fee, which is the minimum payment standard, in accordance with the hospital's regulations. The minimum payment standard is determined according to the level of the hospital, which is divided into four levels: township community hospital, first-level hospital, second-level hospital, and third-level hospital. The higher the level, the higher the minimum payment standard.

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The reimbursement range for hospitalization expenses refers to the reimbursement range above the minimum payment standard. After deducting the individual's first out-of-pocket expenses, the overall fund will pay in proportion according to the hospital level. According to Chengdu regulations, 85% are tertiary hospitals, 90% are second-level hospitals, 92% are first-level hospitals, and 95% are community health service centers that have signed inpatient medical service agreements with medical insurance agencies.

According to the regulations of Chengdu City, the first out-of-pocket expenses paid by individuals include four aspects of expenses. The first is to use 20% of the cost of examination and treatment items with a single price of more than 200 yuan except surgery; the second is to use 10% of the cost of surgery with a single price of more than 1,000 yuan; the third is to use the "Basic Medical Treatment" stipulated by the country and the province. 10% of the cost of Class B drugs in the Insurance Drug Catalog; fourth, the costs of diagnosis and treatment items that use special medical materials and implement unified funds to pay part of the cost should be paid by the individual.

According to the current regulations in various places, the insured does not need to advance all hospitalization expenses when he is hospitalized. After he is discharged, he will go to the medical insurance department to go through the reimbursement procedures. Regardless of whether you participate in employee medical insurance or urban and rural residents' medical insurance, as long as you are hospitalized in a hospital within the same coordination area, the reimbursement process is the same. Patients only need to pay the threshold fee (minimum payment standard) and personal payment, and the medical insurance fund will pay the remaining fees in proportion to the fees exceeding the minimum payment standard. All this is settled in the hospital in real time, without the need for inpatients or family members to travel around.

To sum up, when inpatients are discharged from the hospital and go through the discharge procedures, the hospital must uniformly settle the hospitalization expenses. When settling the expenses, the hospital will print a list to the inpatients or their family members. Among them, It indicates the total cost, including how much is reimbursed by medical insurance and other information. When the hospitalization fee is settled, the reimbursed fee has been advanced by the hospital, and the patient no longer needs to go through additional reimbursement procedures after discharge. This is very meaningful in simplifying the reimbursement procedures and eliminating the need for patients and family members to travel back and forth to handle reimbursement procedures.