In 2025, the outpatient reimbursement standards in Heilongjiang Province vary for different types of insurance and medical institutions. For employee medical insurance: The annual cumulative deductible for ordinary outpatient care is 400 yuan. Above the deductible, the reimbursement rate is 70% in primary and below primary level medical institutions, 60% in secondary medical institutions, and 50% in tertiary medical institutions. For retirees, the rate increases by 5 percentage points according to the hospital level. The annual maximum payment limit of the overall planning fund is 3000 yuan. For urban and rural residents' medical insurance: There is no deductible for ordinary outpatient care, and the annual maximum payment limit is 500 yuan. In "two diseases" (hypertension and diabetes) outpatient care, the reimbursement rate is 80% in primary and below primary level medical institutions, and 70% in secondary medical institutions. The maximum payment limit for hypertension is 400 yuan, and for diabetes is 600 yuan.

1. Employee Medical Insurance Details

• Deductible: In a natural year, employees need to pay 400 yuan out - of - pocket for outpatient medical expenses within the policy - covered range first. This deductible is cumulative throughout the year. For example, if an employee has outpatient expenses of 200 yuan in the first visit and 300 yuan in the second visit, after the second visit, the cumulative expenses reach 500 yuan, exceeding the deductible of 400 yuan.

• Reimbursement Rates:

• In primary and below primary level medical institutions such as community health centers, the reimbursement rate is relatively high at 70%. Suppose an employee's outpatient bill in a community health center is 1000 yuan after reaching the deductible. The amount reimbursed by the medical insurance is ​
  ×70%=
  yuan, and the employee only needs to pay 300 yuan out - of - pocket.

• In secondary medical institutions, the reimbursement rate is 60%. If the same 1000 - yuan bill occurs in a secondary hospital, the reimbursement amount is ​
  ×60%=
  yuan, and the employee pays 400 yuan.

• In tertiary medical institutions, which are usually large - scale hospitals, the reimbursement rate is 50%. For a 1000 - yuan bill in a tertiary hospital, the reimbursement amount is ​
  ×50%=
  yuan, and the employee pays 500 yuan.

• Maximum Payment Limit: The annual maximum payment limit of the overall planning fund is 3000 yuan. Once the cumulative reimbursement amount of an employee's outpatient expenses within the policy - covered range reaches 3000 yuan in a year, no more reimbursement will be provided for the remaining outpatient expenses in that year.

2. Urban and Rural Residents' Medical Insurance Details

• Deductible: There is no deductible for ordinary outpatient care for urban and rural residents. This means that as soon as they have outpatient expenses within the policy - covered range in medical institutions, they can enjoy the corresponding reimbursement policy.

• Reimbursement Rates and Maximum Payment Limit for "Two Diseases":

• For hypertension and diabetes outpatient care, in primary and below primary level medical institutions, the reimbursement rate is 80%. For example, if a hypertensive patient's outpatient drug cost for lowering blood pressure in a community health center is 500 yuan, the reimbursement amount is ​
  ×80%=
  yuan, and the patient pays 100 yuan.

• In secondary medical institutions, the reimbursement rate for "two diseases" is 70%. If the same 500 - yuan bill occurs in a secondary hospital, the reimbursement amount is ​
  ×70%=
  yuan, and the patient pays 150 yuan.

• The maximum payment limit for hypertension is 400 yuan, and for diabetes is 600 yuan. This means that for a hypertensive patient, the maximum amount reimbursed for outpatient drug costs related to lowering blood pressure in a year is 400 yuan, and for a diabetic patient, it is 600 yuan for outpatient drug costs related to lowering blood sugar.

• Ordinary Outpatient Maximum Payment Limit: The annual maximum payment limit for ordinary outpatient care for urban and rural residents is 500 yuan. Once the cumulative reimbursement amount of a resident's ordinary outpatient expenses within the policy - covered range reaches 500 yuan in a year, no more reimbursement will be provided for the remaining ordinary outpatient expenses in that year.

It should be noted that these standards are subject to change according to relevant policies. It is recommended that insured persons consult the local medical insurance department for the latest and most accurate information to ensure that they can enjoy the corresponding medical insurance benefits correctly.