in order to further improve the multi-level employee basic medical insurance (hereinafter referred to as employee medical insurance) system, implement the national and provincial medical insurance treatment list system, and improve the outpatient * * * economic security mechanism, from January 1, 223, Nantong officially implemented the "Implementation Plan on Improving the outpatient * * economic security mechanism of employee basic medical insurance", effectively enhancing the outpatient security function of medical insurance fund and improving the efficiency of fund use. Since 1997, the medical insurance system for employees in Nantong City has established a security model that combines social pooling (that is, pooling funds) with personal accounts. The pooling funds guarantee chronic and special diseases (including outpatient special drugs) in inpatient and outpatient departments, and personal accounts guarantee common diseases and drug expenses in outpatient departments. With the development of social economy, the limitations of personal accounts have gradually become prominent. The main problems are that the overall accumulated balance of personal accounts is more, but the guarantee function is insufficient, the mutual aid is not economical enough, and the personal accounts between family members cannot be used economically, resulting in low efficiency in the use of medical insurance funds and no obvious effect in reducing the burden. The employee medical insurance fund is divided into two parts: one is the overall fund, which is the "big pool" of medical insurance fund; The second is personal account, which is "the money in the medical insurance card", and the outpatient * * * economic security can be simply understood as "one big and one small". "Great * * * economy" is to establish a * * * economy guarantee mechanism for outpatient service, realize the system transition under the premise of not adding new units and individuals to pay fees, and reimburse employees for ordinary outpatient service expenses that meet the requirements through pooling funds, realize the * * * economy guarantee among all insured employees, better solve the problem of outpatient service guarantee for insured personnel, especially the elderly, and reduce the burden of personal medical expenses; "Small * * * aid" refers to family * * * aid, which means that personal account funds are shared between spouses, parents, children and other specific family members. After the implementation of outpatient aid, the sleeping personal account funds in the fund pool are revitalized, mutual assistance is realized, the contradiction between idle personal account funds and insufficient outpatient security is alleviated, the outpatient treatment of sick insured personnel is improved, and personal accounts are alleviated. Moreover, because the general outpatient service can be reimbursed, it will also reduce the waste of medical insurance funds and medical resources caused by hospitalization for reimbursement. At the same time, the use scope of personal account funds has been further standardized and expanded, which can be used not only to pay the medical expenses incurred by oneself, their spouses, parents and children, and the expenses incurred in purchasing medicines, medical devices and medical consumables at designated retail pharmacies, but also to pay personal contributions for spouses, parents and children to participate in residents' medical insurance or to participate in supplementary insurance and long-term care insurance for employees, as well as to purchase commercial subsidy insurance guided by the government and connected with basic medical insurance. However, the personal account shall not be used for public health, physical fitness or health care consumption and other expenses that are not covered by the basic medical insurance. It should be noted that spouses, parents and children who are authorized to use personal account funds are required to participate in basic medical insurance in Jiangsu Province. After the reform, the funds included in the personal accounts of on-the-job employees are 2% of the base of their contributions, which is lower than in previous years, and all the contributions paid by the units will be included in the employee medical insurance pooling fund; Those who participate in employee medical insurance as flexible employees shall be included in personal accounts according to 2% of their payment base, and the rest of the basic medical insurance premiums shall be included in the employee medical insurance pooling fund. From 223, personal account funds will be transferred monthly, instead of one-time transfer at the beginning of the year in previous years. In addition, the personal accounts of retirees who enjoy retirement medical insurance benefits will not be adjusted for the time being in 223. In 224, they will be pre-planned at the beginning of the year and adjusted to be included on a monthly basis by year-end liquidation, and the amount of inclusion will be uniformly adjusted to 2.5% of the average basic pension in the year when the reform was implemented according to the opinions of the overall planning area. It should be reminded that, because the treatment level of the new policy of general outpatient co-ordination is higher than that of the original chronic disease policy, the original outpatient chronic diseases are incorporated into the scope of general outpatient co-ordination and unified protection, and the original policies of chronic diseases such as hypertension (II, III), diabetes and active hepatitis B are stopped. The current policy of outpatient drug use for hypertension and diabetes in residents' medical insurance remains unchanged.