First, the setting of medical insurance card credit limit
The credit limit of the medical insurance card is usually set by the local medical insurance department or pharmacy according to the relevant regulations. The quota of different regions and pharmacies may be different, depending on the specific requirements of local medical insurance policies and the management strategies of pharmacies. Generally speaking, the limit will take into account the patient's drug demand, drug price, medical insurance fund status and other factors.
Second, the role of medical insurance card credit line
The establishment of the credit line of medical insurance card is mainly to control the excessive growth of drug expenses and avoid the abuse of medical insurance funds. By setting the limit, patients can be restricted from buying high-priced drugs or a large number of drugs, and the burden of medical insurance funds can be reduced. At the same time, the quota also helps to guide patients to use drugs rationally and avoid unnecessary waste.
Third, how to understand the credit limit of medical insurance card?
To know the credit limit of medical insurance card in pharmacy, patients can go to the local medical insurance department for consultation or consult the pharmacy staff. In addition, medical insurance policies in some areas will also be publicized online, and patients can query relevant information through the Internet.
Four, medical insurance card credit line considerations
Patients should pay attention to the following points when using the medical insurance card to purchase drugs: First, abide by the local medical insurance policy and the regulations of pharmacies, and do not exceed the limit to purchase drugs; Secondly, we should carefully check the price and quantity of drugs to ensure that the drugs we buy meet our own needs; Finally, the medical insurance card should be properly kept to avoid being lost or stolen.
To sum up:
The credit limit of medical insurance card in pharmacy is to control the expenditure of drug expenses, avoid the abuse of medical insurance card and ensure the rational use of medical insurance fund. The restrictions in different regions and pharmacies may be different. Patients can know the specific limit by consulting the local medical insurance department or pharmacy staff. When patients use the medical insurance card to buy drugs, they should abide by the relevant regulations, pay attention to checking the drug information and keep the medical insurance card well.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 30 provides that:
The following medical expenses are not included in the payment scope of the basic medical insurance fund:
(a) shall be paid by the industrial injury insurance fund;
(2) It shall be borne by a third party;
(three) shall be borne by public health;
(4) Go abroad for medical treatment.
Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.
Notice on the Interim Measures for the Administration of Designated Retail Drugstores with Basic Medical Insurance for Urban Employees (No.1999 issued by the Ministry of Labor and Social Security)
Article 7 provides that:
Prescriptions for external use must be issued by doctors in designated medical institutions, with the signature of doctors and the seal of designated medical institutions. Prescriptions should be reviewed and signed by pharmacists, and kept for more than 2 years for verification.