In 2025, the dental reimbursement policies for Class 1 and Class 2 medical insurance in Chenzhou, Hunan, show certain differences. Generally, Class 2 medical insurance has a relatively higher reimbursement ratio in most dental treatment items compared to Class 1 medical insurance, which can better reduce the financial burden on insured individuals for dental treatments. Here is a detailed breakdown:

1. Reimbursement Ratio for Dental Fillings

• Class 1 Medical Insurance: In primary-level hospitals (such as community health centers), the reimbursement ratio for dental fillings is 80%; in secondary-level hospitals, it is 58%; and in tertiary-level hospitals, it is 45%. For example, if the cost of dental fillings in a secondary-level hospital is 1000 yuan, with Class 1 medical insurance, the amount reimbursed is ​
  ×58%=
  yuan, and the individual needs to pay ​
  −=
  yuan.

• Class 2 Medical Insurance: In primary-level hospitals, the reimbursement ratio for dental fillings is 85%; in secondary-level hospitals, it is 70%; and in tertiary-level hospitals, it is 60%. Taking the same 1000 - yuan dental filling cost in a secondary-level hospital as an example, with Class 2 medical insurance, the amount reimbursed is ​
  ×70%=
  yuan, and the individual only needs to pay ​
  −=
  yuan.

2. Reimbursement Ratio for Root Canal Treatment

• Class 1 Medical Insurance: In primary-level hospitals, the reimbursement ratio for root canal treatment is 80%; in secondary-level hospitals, it is 58%; and in tertiary-level hospitals, it is 45%. Since root canal treatment is relatively expensive, this reimbursement ratio can relieve some of the financial pressure on patients. For instance, if the root canal treatment cost in a tertiary-level hospital is 3000 yuan, with Class 1 medical insurance, the reimbursement amount is ​
  ×45%=
  yuan, and the individual has to pay ​
  −=
  yuan.

• Class 2 Medical Insurance: In primary-level hospitals, the reimbursement ratio for root canal treatment is 85%; in secondary-level hospitals, it is 70%; and in tertiary-level hospitals, it is 60%. For the same 3000 - yuan root canal treatment cost in a tertiary-level hospital, with Class 2 medical insurance, the reimbursement amount is ​
  ×60%=
  yuan, and the individual's out - of - pocket expense is ​
  −=
  yuan.

3. Reimbursement Ratio for Periodontal Disease Treatment

• Class 1 Medical Insurance: In primary-level hospitals, the reimbursement ratio for periodontal disease treatment (including supra - gingival and sub - gingival scaling, etc.) is 80%; in secondary-level hospitals, it is 58%; and in tertiary-level hospitals, it is 45%.

• Class 2 Medical Insurance: In primary-level hospitals, the reimbursement ratio for periodontal disease treatment is 85%; in secondary-level hospitals, it is 70%; and in tertiary-level hospitals, it is 60%.

4. Reimbursement Scope

• Both Class 1 and Class 2: The reimbursement scope for both mainly includes basic dental treatment items such as dental fillings, root canal treatment, tooth extraction, and periodontal disease treatment. However, cosmetic - related dental items like teeth whitening, dental veneers, orthodontics (tooth straightening), and dental implants are generally not covered by either Class 1 or Class 2 medical insurance in Chenzhou, Hunan in 2025.

In general, in 2025, for dental treatments in Chenzhou, Hunan, Class 2 medical insurance has a more favorable reimbursement ratio in various basic dental treatment items compared to Class 1 medical insurance. When choosing a medical insurance type, individuals can make a more suitable choice based on their own dental health conditions, frequency of medical treatment, and economic situation. It should be noted that the above data is based on current policies, and specific reimbursement situations may vary due to policy adjustments and different hospitals. It is recommended to consult the local medical insurance department or the medical insurance office of the hospital before treatment.