How much is the personal account less after the medical insurance reform?
After the medical insurance reform, employees' personal accounts are included in the standard of 2% of the insured payment base, and all the expenses paid by the unit are included in the overall fund, that is, the part paid less is the medical insurance expenses paid by the unit. However, this does not mean that individuals suffer. After the medical insurance reform, the payment burden of the insured and the historical accumulation of personal accounts remain unchanged, and they can still be used by individuals or economically among family members. It just means that the expenses paid by the unit are included in the overall account, which increases the overall treatment of ordinary outpatient clinics that employees did not have before.
Simply put, after the reform, in the short term, the number of employees' personal accounts will decrease, but in the long term, employees will enjoy more rights and interests, especially the old, the weak and the sick. After the reform, the overall fund scale is larger, the insured workers have stronger ability to pay, and the disease protection is more comprehensive. Therefore, for the employees themselves, it is not a loss.
For example, the insured Li, 30 years old, with an annual income of 654.38+10,000 yuan, suffers from cervical spondylosis and is treated in the outpatient department of a secondary hospital. This year, he incurred 3600 yuan of reimbursable expenses. If 700 yuan, the threshold fee, is excluded according to the outpatient co-ordination policy, he can be reimbursed at the rate of 60% in secondary hospitals (3600-700 yuan * 60% = although Li's personal account is insufficient 1 100 yuan, he enjoys more benefits than 640 yuan.