市医保和职工医保,哪个报销比例多?

2025-03-15 17:55:35
推荐回答(1个)
回答1:

首先它们缴费是不一样的。
职工医保是按照职工的工资做为缴费基数的,单位缴8%,个人4%,大概一年得2000多元。城市居民医保每年缴150-250之间,这个数字各个地方有不同。
不同的医保
它们住院报销有以下几个差别:
报销的比例是不一样的。根据你在哪里住院、住什么医院,职工医保能报销60%-85%之间,城镇居民医保能报销大概在50%-70%之间。当然了,这个数字只是个大概,你用的药不在医保目录里,那你报销的钱就要低于这个比例了。
报销的上限是不一样的。职工医保住院报销的上限大概是6万元,超过这个数以后就要走医疗大额保险了。城镇居民医保上限大概是3万元。所以在住院的时候职工医保是可以多报销的。
在用药和医疗器械有区别。这个我说不太准,但是知道职工医保和居民医保在住院时用药和使用医疗器械上是不同的。
总之,这样一算,如果职工和居民都住院的话,都花费10000元,不考虑其他因素,报销费用职工医保和城镇居民医保可能相差1500-2500之间。

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