For those who apply for medical insurance retirement, after retirement, a sum of money will be credited to their personal medical insurance account every month.

Since 2023, all provinces have successively promoted the reform of retirees' personal medical insurance accounts, and there have been new changes in the transfer standards, which are related to retirees' pocketbooks.

Since there is no unified medical insurance billing standard across the country, the billing standards vary slightly from place to place.

Today I will take you to take a look: After the reform of the retiree medical insurance account in Liaoning Province, how much money can be returned every month? Let’s continue to introduce 1. Before the reform, the Liaoning Province retiree medical insurance account transfer standard was in the past. Due to the various places under the jurisdiction of Liaoning Province

The number of insured persons, payment status, and regional economic development levels of medical insurance vary greatly, so there are no unified standards for medical insurance transfers for retirees.

Let’s take Shenyang, the capital of Liaoning Province, as an example for a specific analysis.

Before the reform, the transfer standards for retirees’ personal medical insurance accounts in Shenyang were as follows: 1. Transfer base.

The pension that retirees should be paid in June each year is used as the base for transfer. If it is lower than the average pension for retirees in Shenyang City, the average pension is used as the base for transfer.

It should be noted that the pension for retirees in June is an advance amount, and the difference will be made up after the pension adjustment is determined.

2. Account transfer cycle.

Transfers are made in July every year, and the transfer amount from July of the current year to June of the following year is uniformly distributed.

For example: In July 2022, the money from July 2022 to June 2023 will be allocated uniformly.

3. Transfer ratio.

The transfer ratio is determined based on the actual age of the retiree.

The highest transfer ratio is 6.4% and the lowest is 4.6%.

For example: Uncle Li is 77 years old this year, and the transfer ratio is 6.4%.

Aunt Zhang, 66 years old, has a debit transfer ratio of 5.8%.

The following continues to introduce 2. After the reform, the medical insurance transfer standards for retirees in Liaoning Province are based on the "Implementation Opinions on Establishing and Improving the Outpatient Financial Security Mechanism of the Province's Basic Medical Insurance for Employees" issued by Liaoning Province: Adjusting the personal medical insurance accounts of retirees

Accounting standards.

The transfer amount is: based on the average monthly pension of local retirees in the year of reform, the transfer rate is 2%.

Similar to Jilin Province, the reform of retiree personal medical insurance accounts in Liaoning Province is mainly divided into three steps: Step 1: By the end of June 2022, each region under the jurisdiction of Liaoning Province will issue an implementation plan.

Step two: By the end of December 2022, all regions under the jurisdiction of Liaoning Province will start implementing reforms.

Step 3: By the end of December 2023, all regions under the jurisdiction of Liaoning Province will further improve the outpatient financial security mechanism.

3. What changes have taken place after the reform of the retiree medical insurance account in Liaoning Province? Change 1: The base number has changed.

Before adjustment, it is based on my average monthly pension and has a minimum standard.

After the adjustment, the average monthly pension of retirees in the region is used as the base, and all regions are unified.

Change 2: The inclusion ratio has changed.

Before the adjustment, the transfer ratios were 4.6%, 5.2%, 5.8%, and 6.4%; after the adjustment, the transfer ratio was 2%.

Case presentation: Uncle Li, 77 years old, retired from Shenyang City.

Assumption: My average monthly pension is 5,000 yuan, and the average monthly pension of Shenyang retirees in 2023 is 3,500 yuan.

After the reform, how much money will be transferred to the personal medical insurance account every month? At the end of 2022: The amount transferred to Uncle Li’s medical insurance account every month: 5000*6.4%=320 yuan.

At the end of 2023: The amount transferred to Uncle Li’s medical insurance account every month: 3500*2%=70 yuan.

Through comparison, it can be seen that after the reform, the amount transferred to Uncle Li's personal medical insurance account every month gradually decreased, from 320 yuan per month to 70 yuan, a decrease of 250 yuan.

Nationwide, after the reform of retiree medical insurance accounts in Liaoning Province, the amount of money transferred into personal accounts every month is relatively low compared with other provinces.

The reduced money will be integrated into the medical insurance co-ordination fund, which will be mainly used for outpatient services to ensure that everyone receives medical treatment in outpatient clinics.