The money in the account over the years is the amount of medical insurance you paid before this year, plus the part of medical insurance paid by the unit that is included in your personal account. Deduct the amount paid in advance in the previous year, and then deduct the money you used to see a doctor before, and add interest to the calculated amount.
In fact, you never paid back the money in your account that year. The calculated medical insurance amount is included in your personal account according to the payment base of your last social security year, that is, it is prepaid to you. Finally, you have to settle the money you paid in advance in the last year, and refund more and make up less.
I. Accounts of the current year and accounts of previous years
There are two personal accounts for medical insurance, one is the calendar year account and the other is the current year account.
(1) Account over the years = (total personal medical insurance payment this year+unit payment included in personal account-pre-note amount at the beginning of the year+account balance at the end of the year-deduction amount last year+medical insurance adjustment amount this year+other insurance transfer amount) ×( 1+ interest rate)
② Account in the current year = monthly account amount paid in advance in the next year × 12+ part of individual account unit payment included in the standard+[liquidation amount in this year (if the liquidation amount in this year is negative)]
Simply put, the accounts over the years are the money you have paid so far MINUS the money you have used. The account was paid to you in advance according to your previous payment base, and will be settled next year.
Second, the scope of use of current accounts and account funds over the years.
In addition to the amount, the scope of use of these two accounts is also different.
At that time, the money in the account can be used to pay for outpatient service, emergency treatment, pre-hospital first aid and drug purchase at designated retail pharmacies.
Over the years, the money in the account can be used to pay for out-of-pocket medical expenses for outpatient and emergency services (including pre-hospital first aid), as well as the remaining medical expenses paid by additional funds, medicines purchased by designated medical pharmacies, medical expenses below the floating standard line for hospitalization, out-of-pocket medical expenses above the deductible line, out-of-pocket medical expenses for serious illness and medical expenses for family beds.
It can be seen that the application scope of account amount over the years is wider. The part that needs personal burden and the part that cannot be reimbursed by medical insurance can be used. After all, I paid the money myself, but the scope of application of the account amount was much narrower.