The transfer of medical insurance account means that the state sets up an account for the medical insurance insured and deducts a certain proportion of medical insurance expenses from his salary every month. The expenses will be remitted to the account as part of the medical insurance fund to pay for medical expenses such as medical expenses and examination fees. In 2023, the allocation of medical insurance account will be reduced to 4%, that is to say, only 4% of medical insurance expenses will be remitted to the account every month, and the rest will be subsidized by the government. This decision will lead to a small balance in the medical insurance account, and patients need to pay more medical expenses themselves. In this regard, some people may ask, why is this? This is because there are some problems in the operation of China's medical security system, such as the high price of medical services and drugs, which leads to the high expenditure of medical insurance funds and the excessive pressure on the operation of medical insurance funds in some areas. In order to solve this problem, the government decided to reduce the proportion of medical insurance accounts, increase government subsidies, and ease the pressure on medical insurance funds. However, this decision may not be very friendly to patients. They need to pay more medical expenses at their own expense, especially those patients who need long-term treatment and have high expenses. Therefore, consumers should carefully compare the advantages and disadvantages of various medical insurance plans when choosing medical insurance plans to avoid unnecessary economic losses.
What about people with insufficient balance in medical insurance accounts? If the balance of medical insurance account is insufficient, you can choose the following ways to solve it. 1. Choose preferential medical institutions and drugs for outpatient treatment to reduce the pressure of medical expenses. 2. Appropriately improving the coverage of commercial medical insurance can supplement the part that cannot be covered by medical insurance and reduce the burden of personal medical expenses. 3. Applying for assistance through the medical assistance mechanism of public hospitals can reduce the economic burden of poor patients. 4. Solve the problem of insufficient balance of medical insurance account through relevant subsidies provided by government departments or social assistance institutions.
In 2023, the allocation of medical insurance account will be reduced to 4%, and patients need to pay more medical expenses themselves. When choosing a medical insurance plan, consumers should carefully compare the advantages and disadvantages of various medical insurance plans to avoid unnecessary economic losses.
Legal basis:
People's Republic of China (PRC) Social Insurance Law Article 4 Employers and individuals in People's Republic of China (PRC) pay social insurance premiums according to law, and have the right to inquire about payment records and personal rights and interests records, and require social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.