With the development of economy, social security plays an increasingly important role in our daily life.
Since the beginning of May, social security benefits have been introduced continuously, and every policy adjustment affects the hearts of ordinary people.
Among the social security policies, the most important ones for the public are endowment insurance and medical insurance.
Endowment insurance is related to our retirement and income, many young people may not be interested in it, and medical insurance is everyone's lifeline.
In recent years, with the increase of our income, hospitalization and medical expenses are also increasing, but the emergence of health insurance has greatly saved our expenses.
For example, it has been reported that some pharmacies and hospitals are using medical insurance funds.
For example, some media disclosed that a hospital provided free hospitalization and meals for the elderly and gave some elderly people away. This is fraud.
How can retired people who are not sick cooperate with the hospital to get the money for "hospitalization"? According to the policy, the elderly are hospitalized in a first-class hospital, and the medical insurance reimbursement is 97%. In other words, if it costs 6,543.8+0,000 yuan and reimburses 9,700 yuan, the hospital can make up the remaining 300 yuan and give it to the elderly, so there is still enough profit.
Some pharmacies also violate the rules, such as buying daily necessities with medical insurance cards or changing medical insurance cards into cash.
In the past, it was not uncommon for pharmacies to provide not only medicines, but also daily necessities such as grain, oil, rice and milk.
Some pharmacy staff will "tell" people that these goods can be purchased with their own medical insurance cards for their own performance, and many people will follow the advice of pharmacy staff in order to "save money".
In addition, it is understood that individual pharmacies also provide medical insurance card cashing services.
The huge amount of money invested by the state is used in this way, which obviously violates the original intention of medical insurance. These funds should be used for treatment.
Cancel the personal (family) account of medical insurance before the end of 2020.
In order to solve the problems caused by' fraudulent insurance', the National Medical Insurance Bureau and the Ministry of Finance recently jointly issued the Notice on Basic Medical Insurance for Urban and Rural Residents in 20 19, pointing out that individual (family) accounts will be cancelled before the end of 2020, and outpatient cooperation will be gradually transformed, and individual (family) accounts will be restored and cancelled in disguise.
Of course, not everyone's personal medical insurance account will be cancelled. This document covers medical insurance for urban and rural residents. In other words, the medical insurance for urban workers will not change.
Many people may not understand what impact the cancellation of individual medical insurance accounts will have on themselves.
Will the balance in the old social insurance personal account be cancelled? Obviously not.
Individual contributions and subsidies of all insured persons will be directly credited to the overall fund account, and designated pharmacies will use medical insurance cards to buy rice, oil and milk. May no longer exist.
This measure can not only stop many "fraudulent" behaviors, but also effectively improve the interests of urban and rural populations.
After canceling the personal medical insurance account and transferring to the outpatient linkage, the outpatient reimbursement treatment is the same as that of urban workers.
This will not only make outpatient and inpatient treatment easier to obtain, but also gradually increase the proportion of reimbursement.
How to treat these changes in medical insurance?