怎么样诠释癌症治疗的巨额花费？一文看懂医疗保险报销细节！
点击蓝字<img src="https://mmbiz.qpic.cn/mmbiz_png/Jia8MktmNuIAyJR90yZmduwg1AeE5IXibjotd7p3a4UGOS9nibOhhMWJlEpRnkoRJSy2Yibd1ONlGDxCOdZ0gX3nBQ/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;">关注<span style="color: black;">咱们</span><p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">癌症治疗的<span style="color: black;">昂贵</span><span style="color: black;">花费</span>常令<span style="color: black;">病人</span>及家属感到压力山大。<span style="color: black;">认识</span>这些<span style="color: black;">花费</span><span style="color: black;">怎样</span>分配，并<span style="color: black;">把握</span><span style="color: black;">怎样</span><span style="color: black;">经过</span><span style="color: black;">医疗保险</span>减轻<span style="color: black;">包袱</span>，是每位<span style="color: black;">病人</span>及家属都应具备的知识。</p><img src="https://mmbiz.qpic.cn/mmbiz_jpg/Jia8MktmNuIAyJR90yZmduwg1AeE5IXibjdVl4cgCKwMgH7wZGLdpYgibOppAryXNtOVqP4IRZq5rtQbdgNahZiczg/640?wx_fmt=jpeg&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"><span style="color: black;"><strong style="color: blue;">癌症治疗<span style="color: black;">花费</span><span style="color: black;">形成</span></strong></span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">1、诊断费：</strong></span><span style="color: black;">包含</span><span style="color: black;">各样</span>影像学<span style="color: black;">检测</span>（CT、MRI、PET扫描等）、生化检测、病理检测等，这些都是确诊癌症类型和分期的必要<span style="color: black;">过程</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">2、手术费：</strong></span><span style="color: black;">倘若</span>癌症治疗<span style="color: black;">方法</span><span style="color: black;">包含</span>手术，<span style="color: black;">那样</span>手术<span style="color: black;">花费</span><span style="color: black;">一般</span>占总<span style="color: black;">花费</span>的大部分。这<span style="color: black;">包含</span>手术室<span style="color: black;">运用</span>费、<span style="color: black;">麻木</span>费、外科<span style="color: black;">大夫</span>和助手的<span style="color: black;">花费</span>等。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">3、化疗费：</strong></span><span style="color: black;">包含</span>化疗<span style="color: black;">药品</span><span style="color: black;">花费</span>及其输注过程中的护理费。部分新型靶向<span style="color: black;">药品</span>价格昂贵，是化疗<span style="color: black;">花费</span>中的<span style="color: black;">重点</span>部分。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">4、放疗费：</strong></span>放疗<span style="color: black;">触及</span><span style="color: black;">繁杂</span>的设备和技术，<span style="color: black;">花费</span><span style="color: black;">亦</span>相对较高，<span style="color: black;">包含</span>放疗规划和实施过程中的<span style="color: black;">花费</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">5、支持治疗费：</strong></span><span style="color: black;">包含</span>抗恶心<span style="color: black;">药品</span>、营养支持、<span style="color: black;">病痛</span>管理等治疗支持<span style="color: black;">花费</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">6、后续随访与复查费：</strong></span>癌症治疗后的<span style="color: black;">定时</span>复查<span style="color: black;">亦</span>是<span style="color: black;">花费</span>的一部分，<span style="color: black;">包含</span><span style="color: black;">定时</span>的影像学<span style="color: black;">检测</span>和血液<span style="color: black;">检测</span>等。</p>
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<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/Jia8MktmNuIAM32KVH6hRoCiaDRJhM5pibdfnqr6HL8EtkFfUzxeeeBnthKibS0H27mvVGc1IJlqjohJpwaP4IbjWQ/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p><span style="color: black;"><strong style="color: blue;"><span style="color: black;">怎样</span><span style="color: black;">经过</span>结算单看懂<span style="color: black;">医疗保险</span><span style="color: black;">薪水</span></strong></span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_jpg/Jia8MktmNuIAyJR90yZmduwg1AeE5IXibj1qMZ3gpr7aYPibdfQInfQXlicoicLhibSImAmdlOX7snrxibP2SicDyBmI9A/640?wx_fmt=jpeg&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">1、金额合计</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">便是</span><span style="color: black;">这次</span>就诊的总金额，<span style="color: black;">包括</span>了发票上所列的各个项目<span style="color: black;">花费</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">2、<span style="color: black;">医疗保险</span><span style="color: black;">统一</span>基金支付</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">指<span style="color: black;">医疗保险</span>结算时，由<span style="color: black;">医疗保险</span>基金报销的医疗<span style="color: black;">花费</span>，这部分是按<span style="color: black;">医疗保险</span>规定的报销标准计算后，直接由<span style="color: black;">医疗保险</span><span style="color: black;">分部</span>和医院结算，完全不<span style="color: black;">必须</span>个人花钱。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">3、其他支付</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这部分<span style="color: black;">包括</span>大病<span style="color: black;">医疗保险</span>、其他保险支付和医疗救助支付，<span style="color: black;">指的是</span>除<span style="color: black;">医疗保险</span><span style="color: black;">统一</span>基金外，大病保险、医疗救助等享受的待但符合享受<span style="color: black;">前提</span>的，结算时会自动扣除，<span style="color: black;">亦</span>是<span style="color: black;">医疗保险</span><span style="color: black;">分部</span>和医院结算，不<span style="color: black;">必须</span>个人花钱，<span style="color: black;">没</span>需二次报销！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">4、个人账户支付</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">指<span style="color: black;">这次</span>结算中参保人员个人账户支付的<span style="color: black;">花费</span>，<span style="color: black;">包括</span><span style="color: black;">自己</span>个人账户、家庭共济账户等，提醒：仅职工<span style="color: black;">医疗保险</span>参保人员有个人账户，居民<span style="color: black;">医疗保险</span>参保人员<span style="color: black;">无</span>个人账户。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">5、个人现金支付</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">个人<span style="color: black;">经过</span>现金、银行卡、<span style="color: black;">微X</span>、支付宝等<span style="color: black;">途径</span>支付的金额。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">以上的信息构<span style="color: black;">成为了</span><span style="color: black;">医疗保险</span><span style="color: black;">花费</span><span style="color: black;">规律</span>关系：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">金额合计=<span style="color: black;">医疗保险</span><span style="color: black;">统一</span>基金支付+其他支付+个人账户支付+个人现金支付</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">示例发票中金额总计（4761.84）=<span style="color: black;">医疗保险</span><span style="color: black;">统一</span>基金支付（2145.66）+其他支付（0）+个人账户支付（0）+个人现金支付（2616.18）</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">接下来是“个人自付”和“个人自费"：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_jpg/Jia8MktmNuIAyJR90yZmduwg1AeE5IXibj874WmLCmIr5dwMAHtkGT1xXWnJAq3IpM9aoLhrG6cC3WcRqhJs17qA/640?wx_fmt=jpeg&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_jpg/Jia8MktmNuIAyJR90yZmduwg1AeE5IXibj8xn9hicTElowT0QcnibHSqD0H0ykslQCz59siazgpzKYGiaUqsJkOxk5cw/640?wx_fmt=jpeg&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p><span style="color: black;"><strong style="color: blue;">异地就诊</strong></span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">前往大城市寻找更优异的医疗资源<span style="color: black;">已然</span>慢慢<span style="color: black;">作为</span>了<span style="color: black;">都数</span>人的<span style="color: black;">看病</span>首选，肿瘤<span style="color: black;">病人</span>们又有了一桩烦心事——异地就诊该<span style="color: black;">怎样</span>报销？</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">能报！但要提前备案！异地<span style="color: black;">医疗保险</span>备案简单<span style="color: black;">来讲</span>，<span style="color: black;">便是</span><span style="color: black;">经过</span>异地<span style="color: black;">看病</span>备案后，<span style="color: black;">能够</span>直接用<span style="color: black;">医疗保险</span>卡，完成<span style="color: black;">医疗保险</span>结算，非常方便。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_jpg/Jia8MktmNuIAyJR90yZmduwg1AeE5IXibjeFHouWuicode3FV6dPZjlYIpibmYiaaD8CVX81XnwDiay7SS3rgaDucEwg/640?wx_fmt=jpeg&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/Jia8MktmNuIAyJR90yZmduwg1AeE5IXibjqEJGTcjY9Ft2x8v7icQOhROmpA3v3mDFo4ic20WT302QvqaH8T4HNpYA/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_jpg/Jia8MktmNuIAyJR90yZmduwg1AeE5IXibjNVYqMCHjFmAeGcn86BjgiaQ4DwEJ2RPsTXSAPCHg2fGGPq1X0U8E2rg/640?wx_fmt=jpeg&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_png/Jia8MktmNuIAyJR90yZmduwg1AeE5IXibjujWXEG5nRkrJ6iceJ2iaCWgSOwoyzukhFFcSeAGj0SW2qZGfIgV7Lwsg/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p><span style="color: black;"><strong style="color: blue;">惠民保</strong></span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">城市特定的<span style="color: black;">商场</span>医疗保险业务，<span style="color: black;">一般</span><span style="color: black;">叫作</span>为“惠民保”，是一种在社会医疗保险<span style="color: black;">基本</span>上，由<span style="color: black;">地区</span>政府和<span style="color: black;">关联</span><span style="color: black;">分部</span><span style="color: black;">指点</span>，保险<span style="color: black;">机构</span><span style="color: black;">商场</span>运作，并与基本<span style="color: black;">医疗保险</span>系统衔接的<span style="color: black;">地区</span>定制型<span style="color: black;">弥补</span>医疗保险。以深圳为例，保险<span style="color: black;">花费</span>为每年88元每人，年保额<span style="color: black;">达到</span>超过300万元。这种保险<span style="color: black;">重点</span><span style="color: black;">赔偿</span>基本<span style="color: black;">医疗保险</span>报销后的剩余部分，并<span style="color: black;">尤其</span>针对基本<span style="color: black;">医疗保险</span><span style="color: black;">没</span>法覆盖的<span style="color: black;">巨额</span>自费医疗<span style="color: black;">花费</span>进行<span style="color: black;">弥补</span>报销。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">一般</span>，任何正常参加并缴纳当地基本<span style="color: black;">医疗保险</span>的人都<span style="color: black;">能够</span>购买此保险，<span style="color: black;">没</span>需<span style="color: black;">思虑</span>户籍、年龄、性别、职业或健康<span style="color: black;">情况</span>的限制。然而，保险的<span style="color: black;">保证</span>范围存在<span style="color: black;">必定</span>的局限性，即理赔门槛较高，<span style="color: black;">重点</span>发挥“兜底”<span style="color: black;">功效</span>。例如，小张因病住院，<span style="color: black;">医疗保险</span>报销后他仍需支付30万医疗费。<span style="color: black;">倘若</span>他购买了当地的惠民保，他将<span style="color: black;">得到</span>以下报销：<span style="color: black;">医疗保险</span>内部分（17万-2万免赔额）按70%的比例报销得到10.5万，<span style="color: black;">医疗保险</span><span style="color: black;">外边</span>分（13万-2万免赔额）按60%的比例报销得到6.6万。<span style="color: black;">最后</span>，小张还需自付12.9万医疗<span style="color: black;">花费</span>。<span style="color: black;">针对</span><span style="color: black;">通常</span>家庭<span style="color: black;">来讲</span>，这仍然是一笔不小的开支，这<span style="color: black;">亦</span>是<span style="color: black;">为何</span><span style="color: black;">有些</span>人虽然支付了额外的保费，但感觉<span style="color: black;">实质</span><span style="color: black;">得到</span>的<span style="color: black;">赔偿</span>并不多。</p><strong style="color: blue;"><span style="color: black;">举荐</span>以下几类人群办理：</strong>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、上了<span style="color: black;">必定</span>年纪的老年人；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2、有既往症<span style="color: black;">或</span>身体<span style="color: black;">前提</span>被普通<span style="color: black;">商场</span>医疗险拒保<span style="color: black;">或</span>多处身体部位被除外的人；</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3、家庭经济<span style="color: black;">前提</span>非常<span style="color: black;">欠好</span>的家庭。</p><strong style="color: blue;">0</strong><strong style="color: blue;">1</strong><strong style="color: blue;">在哪参保（以深圳为例）？</strong>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">点击“深圳惠民保”公众号，浏览下方<span style="color: black;">通告</span>栏，有投保选项，<span style="color: black;">不外</span>今年还未到投保期，<span style="color: black;">日前</span><span style="color: black;">仅有</span>新生儿投保了（2023年深圳惠民保投保期为2023年5月9日至6月30日，您<span style="color: black;">能够</span><span style="color: black;">连续</span>关注该公众号），同理，各个城市的觅友们都<span style="color: black;">能够</span><span style="color: black;">查找</span>本地惠民保<span style="color: black;">关联</span>公众号哦，搜索“城市+惠民保”试试。</p><strong style="color: blue;">02</strong><strong style="color: blue;">参保后，<span style="color: black;">怎样</span>理赔呢？</strong>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">保证</span>生效后：</strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">①市内门诊、住院所<span style="color: black;">出现</span>的符合<span style="color: black;">保证</span>范围的医疗<span style="color: black;">花费</span>，在结算时直接赔付，<span style="color: black;">没</span>需申请、<span style="color: black;">没</span>需资料、<span style="color: black;">没</span>需等待。（但不同<span style="color: black;">地区</span>的起醅额度不同，<span style="color: black;">大众</span>要<span style="color: black;">重视</span><span style="color: black;">留意</span>。）</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">②符合深圳惠民保保险责任范围的<span style="color: black;">花费</span><span style="color: black;">能够</span>报销，在市外省内的<span style="color: black;">选定</span>医疗<span style="color: black;">公司</span>住院，<span style="color: black;">能够</span>直接进行一站式结算，<span style="color: black;">没</span>须再提交申请；在省外<span style="color: black;">看病</span>的分两种<span style="color: black;">状况</span>：一种<span style="color: black;">已然</span>备案并在省外<span style="color: black;">医疗保险</span>结算完，<span style="color: black;">能够</span>“深圳惠民保”<span style="color: black;">微X</span>公众号上传资料提交理赔申请；另一种是备案但未<span style="color: black;">医疗保险</span>结算，需前往政务服务大厅办理<span style="color: black;">医疗保险</span>报销。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">③<span style="color: black;">医疗保险</span>未结算的，可在各区指定行政服务大厅窗口办理，在办理<span style="color: black;">医疗保险</span><span style="color: black;">花费</span>结算时，如有符合深圳惠民保<span style="color: black;">保证</span>范围内的<span style="color: black;">花费</span><span style="color: black;">亦</span>可一站式结算。</p><span style="color: black;"><strong style="color: blue;">结论</strong></span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">癌症治疗不仅是一场生理和心理上的战斗，<span style="color: black;">亦</span>是一场经济上的挑战。<span style="color: black;">经过</span><span style="color: black;">认识</span><span style="color: black;">花费</span>的<span style="color: black;">详细</span>去向和<span style="color: black;">恰当</span>利用<span style="color: black;">医疗保险</span>资源，<span style="color: black;">病人</span>和家属<span style="color: black;">能够</span>在这场斗争中更好地装备自己，减轻经济压力。正确解读医疗结算单，并充分利用<span style="color: black;">医疗保险</span>政策，是每位<span style="color: black;">病人</span>和家属<span style="color: black;">必要</span><span style="color: black;">把握</span>的技能。</p><strong style="color: blue;">END</strong><span style="color: black;"><strong style="color: blue;"><span style="color: black;">病友交流互助群</span></strong></span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><添加下方小助理<span style="color: black;">微X</span>加入社群、<span style="color: black;">得到</span><span style="color: black;">帮忙</span>、相互支持></span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"> 感谢楼主分享，祝愿外链论坛越办越好！ 感谢您的精彩评论，为我带来了新的思考角度。 楼主果然英明！不得不赞美你一下！ 期待楼主的下一次分享！”
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