After being stunned for a long time, Zhao Qianqian asked, "Why didn't you say it before?"
Yun Luo: "Because the host told me not to speak and pretend I don't exist."
So she answers whatever the host asks. If the host doesn't ask, she pretends not to know.
"Cancel! Cancel that sentence!" Zhao Qianqian hurriedly corrected, "If I do something wrong in the future, or if you come up with a good idea, don't hesitate to remind me immediately."
She would rather be frightened by the villain's sudden words than be surrounded by despair and helplessness again.
Yun Luo nodded, indicating that she understood.
After thinking for a while, Zhao Qianqian asked again, "Why did you appear this time?"
Yun Luo raised her eyes, "Didn't the host ask me why the transfer amount is 3,100 yuan?"
Zhao was actually talking to himself. Qianqian nodded against her conscience, "Yes, I did ask."
Yun Luo: "So I showed up to answer the question."
Zhao Qianqian encouraged, "Helping others is a good habit, you must keep it up!"
Yun Luo did not comment and disappeared the next second.
"Where are the people?" Zhao Qianqian was shocked.
"The problem has been solved. I plan to go into hibernation." Yun Luo said with a yawn.
Hibernate?!
Zhao Qianqian was very anxious. "Wait, please explain clearly first. How are you going to get the medical expenses reimbursed?"
"It depends on the area and the hospital." Yun Luo said lazily.
"Some medical expenses can be directly reduced or exempted when you swipe your medical insurance card. For example, if the medical fee is 10,000, you only need to pay 3,000."
"Some people pay first and then get a refund after they file. For example, if the medical expenses are 10,000 yuan, you pay all the expenses first. Then you take the materials to the municipal medical insurance center for review and receive a reimbursement of 7,000 yuan."
"If you need to pay in advance, take your home property certificate to the bank to apply for a mortgage. The loan amount is not large, and there is no loan on the property. The bank will release the loan in 3-5 days at the fastest and 15 days at the slowest."
"Wait a minute! Wait a minute! Let me take notes." Unable to find paper and pen for a moment, Zhao Qianqian simply took out her lipstick and wrote on the mirror.
"Direct reduction or exemption... advance payment... take the property certificate to the bank to apply for a mortgage loan..."
After recording the key information, she asked, "How long will the dormant state last? How can I find you if something happens?"
Yun Luo told her, "Just call my name, and I will appear when you hear me."
Only then did Zhao Qianqian feel relieved.
After a while, silence returned to my ears and the system made no sound anymore.
Zhao Qianqian looked at the crooked and hastily written words on the mirror, feeling extremely complicated.
For the first time in her life, she felt that she should take some time to learn some financial management knowledge. She knew nothing and was like an illiterate when faced with problems. This was not a solution.
**
Once you know what to do, you don't have to wander around like a headless fly.
Zhao Qianqian tidied up her appearance, wiped the mirror clean, and then went to see a doctor for further consultation.
When she asked about social insurance, the doctor replied without hesitation, "Of course you don't have to bear all the expenses yourself if you have social insurance. When you pay the fees, the part that the social insurance fund is responsible for will be automatically deducted, and you only need to pay the rest."
In other words, the reduction can be done directly without advance payment?
Zhao Qianqian's heart was pounding. She held her breath and asked again, "In this case, how much of the cost do I need to bear?"
The doctor replied, "Class A tests and medications are fully reimbursed; Class B tests and medications are 80% reimbursed and 20% is at your own expense; Class C tests and medications are all at your own expense."
"Under the premise of not affecting the recovery effect, try to use social insurance drugs, plus surgery fees and hospitalization fees, which can save about 80% of the cost."
"Of course, this is just a preliminary estimate, and the details will depend on the situation."
"If the patient purchases commercial insurance in addition to social insurance, the compensation amount will be higher, and it is possible that the patient and his family do not have to pay extra money."
20% out of pocket, which is more optimistic than Yunluo expected.
Zhao Qianqian's brows relaxed, as if relieved. "I understand. I'll discuss with my mother and see when to have the surgery."
**
Wang Yan was overjoyed to hear that the savings were sufficient and the surgery could be performed immediately. She grabbed her daughter's hand and asked repeatedly, "With social security, the medical expenses can be reduced or exempted? Are you kidding me?"
"It's true." Zhao Qianqian comforted softly, "I asked, and everyone who pays social security can enjoy this benefit. We didn't know this before, so we thought we had to pay for it ourselves."
60,000 yuan is a huge expense for their family. Now that the matter has been resolved smoothly, Wang Yan is so happy that she keeps saying "Buddha bless you".
The matter came to a preliminary conclusion, and Zhao Qianqian felt much more relaxed.
In this short day and night, other people could not imagine how much torment she was in!
I used to think that since I was young, I could spend all my monthly salary and not cause any trouble to my mother.
Now I find that just doing this is far from enough. My mother is getting old, and the family is not well off. If she gets sick or has a fever, I really can't afford it without some savings.
These problems have actually always existed.
But she hadn't thought about it before because she hadn't encountered it before. Now that she had encountered it, she was so busy that she was almost unable to make it, and she finally realized the necessity of saving money.
**
After discussion, the mother and daughter unanimously agreed that the surgery should be performed as soon as possible, the sooner the better.
I told the doctor, and he replied, "The earliest possible time would be the afternoon of the day after tomorrow."
Zhao Qianqian felt that it was a bit late, but there was nothing she could do but follow the hospital's arrangements.
Back in the ward, she told her mother the time of the operation.
As soon as she finished speaking, Wang Yan urged, "I don't have anything to do here, you should go back to work."
Zhao Qianqian refused, "How can that be possible! You are alone in the hospital, and no one is looking after you. If you are thirsty and want to drink water, or hungry and want to buy food, who will run errands for you?"
"I'm here to be hospitalized, not to enjoy myself. Why is there so much trouble?" Wang Yan didn't care. "If I'm thirsty, I can get up and get some water. If I'm hungry, I can eat the hospital lunch. It's very convenient."
Zhao Qianqian wanted to say something, but she couldn't utter it.
If she had money, she could ignore the deducted salary, continue to take sick leave, and then stay with her mother in the hospital until she recovered.
If she has money and the company does not approve her leave, she can hire a caregiver to help look after her.
If she is very rich and the company does not approve her leave, she can quit her job and stay in the hospital for a month or two peacefully.
But she had no money and had to take an advance on next month's salary.
…
Zhao Qianqian moved her lips, but what she said in the end was, "I'm going to work. I'll come to see you after get off work."
You only regret not having enough money when you need it. Life dominated by poverty is so helpless.
"You're so tired from work, why do you come here after get off work?" Wang Yan waved her hands and said disdainfully, "Go back and have a good rest after get off work. I'm lying in the ward, nothing will happen to me."
Her mother was sick, and as a child, she couldn't even provide the most basic companionship!
Zhao Qianqian felt sad and wanted to cry.
**
Unable to persuade her mother, and with money really tight, Zhao Qianqian finally chose to go back to work.
When she arrived at the company, her colleagues asked about the situation and Zhao Qianqian gave a brief explanation.
Colleagues sighed.
"Why is it that if one person gets sick, the whole family falls back into poverty? In today's society, you really can't afford to get sick."
"As the old saying goes, don't get sick, don't lack money. It's fine if nothing happens normally, but if something really happens, it's like having your neck choked, making it hard to breathe!"
"So no matter what, you must save money. At the critical moment, this money can save your life!"
"I think you need to keep up with insurance. Commercial health insurance costs only one or two hundred yuan a year, which is not expensive. If nothing happens, just treat it as having a meal or buying a piece of clothing. If something happens, insurance can save tens of thousands of yuan!"
Colleagues had said these things before, but Zhao Qianqian never took them to heart. She always thought that accidents only happened to others and had nothing to do with her.
However, after her relative was hospitalized, she suddenly realized that what her colleagues said were all valuable advice.
Perhaps only those who have experienced the pain and suffering of being poor can understand how much blood and tears are contained in a simple piece of advice.
Zhao Qianqian didn't want to talk more, she just said, "I'm glad he's okay."
The customers came in and the colleagues dispersed.
Zhao Qianqian went to the finance department to submit a supplementary application - when she had received an advance on her salary, she had been specifically told that she had to fill out the application form after returning to work.
When filling out the form, the finance department asked, "I had something to do this morning and took an extra half day off. How do you calculate this?"
If it were in the past, Zhao Qianqian would have definitely waved her hand and said boldly, "Just deduct half a day's salary."
Now, counting the money in her pocket, she said expressionlessly, "I'll make up for it by working half a day this Sunday."
I only have one day off a day, but I still have to go to the company to make up for my absence. But the reality is so cruel. I either make up for my absence or get paid. There is no other choice.
Zhao Qianqian would rather work harder than have her salary deducted.
"Okay, remember to clock in and keep records." the finance department reminded.
"I know." Zhao Qianqian responded and walked out of the office.
**
Before I knew it, it was almost noon.
There are very few restaurants around the 4S store, and the food is expensive and not tasty. Zhao Qianqian habitually took out her phone and prepared to order takeout.
I ordered a bunch of things and when I was about to submit the order, I found out that the total amount was 36.
Zhao Qianqian was silent.
She returned to the ordering page and deleted some dishes.
Browse new orders and find that you are only two dollars away from enjoying more discounts, so go back and add them.
After adding and subtracting for more than ten minutes, I finally submitted the order and made the payment.
The order amount was also reduced from 36 to 24.
Putting down the phone, Zhao Qianqian felt sad.
She was terrified at the thought of having to live so frugally in the future. But if she didn't do this, how could she save money? How could she stop her mother from going out to work?
She is still young, and it is better for her to suffer than her mother.
Zhao Qianqian made up her mind to live frugally and save as much money as possible.
**
After get off work in the evening, Zhao Qianqian went to the hospital to visit her mother first.
As soon as I entered the door, I saw Wang Yan eating dinner.
After a quick glance, Zhao Qianqian frowned - it was a box lunch with three kinds of vegetables, very little minced meat, and the rice was hard.
She couldn't bear to watch it anymore, so she stepped forward and said, "Mom, stop eating. I'll go out and buy some new ones."
"No need." Wang Yan insisted, "I'm not in good health, I have to eat light food and can't eat meat."
Zhao Qianqian knew in her heart that this was not the truth. Her mother usually liked to eat meat and could not even eat without meat.
"I'm going to have surgery in two days. Eat something good so you can recover as soon as possible." As she spoke, she moved forward and wanted to take the lunch box.
Wang Yan defended her tightly, not letting her daughter succeed, "I'm eating well, no need to bother."
"There's no need to save such a small amount of money." Zhao Qianqian said firmly.
Wang Yan blurted out, "After the operation, all the family savings were spent! How can we not save money!"
The author has something to say:
Depending on the condition, region, hospital and medication, social security reimbursement ranges from 60% to 90%.
In addition, policies vary from place to place, so specific analysis should be done based on the specific situation.
**
Notes:
1. Financial history derivatives of the United States, Japan, the Netherlands and other countries
2. Quick wear, full financial copy. The copy background is empty, very empty, see the specific settings
3. The female protagonist is a financial tycoon who guides the newbie out of poverty online
4. There is CP when returning to reality (the last copy), but there is no CP during the whole fast travel
The text is very clear, please take a look...
**
Popular science from readers in the comments section
Tumors are divided into benign and malignant. Malignant tumors are commonly known as cancer, but not all malignant tumors are called x-cancer, such as osteosarcoma, lymphoma, and leukemia.
Malignant tumors themselves also have different degrees of malignancy. Generally speaking, the higher the malignancy, the easier it is to metastasize and the worse the prognosis.
It is also related to the location of the tumor. Tumors growing in the brain stem are very dangerous regardless of their nature, and the risk of surgery is also high. Tumors that invade or compress the spinal cord, whether benign or malignant, can easily cause paralysis.
[The author is not a medical professional. He checked the information before writing, but his understanding of tumors seems to be wrong-_-||]
[How to treat a disease in hospital and ask the doctor. This article mainly tells you where the money for medical treatment comes from...]
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