Experts familiar with medical insurance reimbursement settlement methods please help me answer, don't laugh at me.

You certainly don't need to apply for medical insurance reimbursement.

When you go to the hospital, show your medical insurance card, prove your insured identity and pay the deposit (if there is enough money in the medical insurance card, use it to pay it, otherwise the cash will not keep up). When you leave the hospital, you should pay it yourself with a deposit, and refund more and make up less. Medical insurance reimbursement is settled by the hospital and medical insurance, and it is not necessary to pay in advance.