How much does Henan medical insurance pay?
Our payment standard in Henan this year is probably 220 yuan, but it is not too much. However, the reimbursement rate is ok, and it is better to pay than not to pay. Different grades have different reimbursement rates, which are roughly divided into seven grades.
1. Township level: These are some township hospitals, and places like ours are hospitals above the street, but their medical conditions are really incomparable with those of townships. 200 yuan and above can be reimbursed, and the reimbursement rate is as high as 70%. 800 yuan and above can be reimbursed 90%.
2. County level: including level 2 and level 1, 63% will be reimbursed for 400- 1500 yuan, and 83% will be reimbursed for 1500 yuan, that is, the lowest reimbursement price is 400 yuan.
3. Municipal hospitals: Level II hospitals, with the minimum reimbursement standard of 500 yuan. More than 3000 yuan can be reimbursed 75%.
Of course, there are also municipal tertiary hospitals, provincial secondary hospitals, provincial tertiary hospitals, and some hospitals outside the province. You may be concerned about some outside the province, according to the current situation. Some hospitals outside the province are not easy to report. The general minimum reimbursement standard is 1500 yuan, and 50% will be reimbursed when hospitalized. Basically, all the above are reimbursed only after hospitalization. If you don't stay in hospital, you can hardly get the reimbursement rate.
Deadline for registration
Generally speaking, our insurance in Henan ended at the end of March, and it will be gone after the end of March. Because I haven't paid this medical insurance for several years, I called this morning for consultation. But after asking for a long time, there was no result. Just say you run this medical insurance and let me go to Nanyang city and some local places. After talking for a long time, the procedure is particularly troublesome.
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Hello, landlord, if you join the new rural cooperative medical system, the annual payment amount is not completely fixed. 20 18 participated in the new rural cooperative medical system, and the payment level in most parts of the country is about 220 yuan. Then at 202 1, although this payment amount is not stipulated, I believe that most areas will be at 20 18.
Then it will probably be in the range from 240 yuan to 280 yuan, that is to say, the payment level in 202 1 year is higher than that in 20 18, but the proportion of medical insurance reimbursement has not increased, because the proportion of people participating in the new rural cooperative medical system is about 50%. We see a doctor and have medical expenses. As long as we meet the medical insurance reimbursement conditions, we can enjoy 50% reimbursement.
Reimbursement during medical treatment in this hospital can only be reimbursed if you see a doctor in a designated hospital of the new rural cooperative medical system. It doesn't mean that you can be reimbursed in any hospital. It must be a designated hospital, which is one of the conditions. In addition, you must meet the hospital qifubiaozhun to be reimbursed, so in fact, the final reimbursement ratio may not reach 50%. Maybe only 40% of the reason is that you need to pay for some deductible lines, and maybe part of the reason is that the drugs you use are completely at your own expense, so you also need to pay for them.
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Thank you for your invitation and your question.
Hello, landlord, how much is rural medical insurance? How did the hospital pay for it? The payment level of this new rural cooperative medical system is fixed, that is to say, the payment level in your area is 220 yuan this year, so everyone has to pay 220 yuan to complete their own medical insurance payment.
So how much this medical insurance pays is fixed. For example, if your area grows to 250 yuan this year, then everyone has to pay the contribution level of 250 yuan to enjoy the treatment of rural medical insurance. As long as you participate in the new rural cooperative medical system, you can enjoy medical insurance reimbursement, but you must be in a designated hospital to enjoy medical insurance reimbursement. For example, this hospital does not meet the reimbursement policy of the new rural cooperative medical system, so you can't enjoy medical insurance reimbursement when you go to this hospital to see a doctor.
The reimbursement rate is about 50%. The reimbursement process requires you to provide your own social security card and then go to the hospital for medical treatment. When you are discharged from the hospital, he will convert some of the expenses that have been reimbursed, and then you need to pay off your own expenses. Therefore, this is a process of reimbursement, so for individuals who participate in the new rural cooperative medical system, they can offset some medical expenses and reduce their medical burden.
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Rural medical insurance is also a part of social medical insurance, which is mainly a preferential policy for farmers with agricultural and rural hukou in China. The rural cooperative medical system began in 2003, when each person paid an annual fee 10 yuan. It has been more than 20 years now, and now the new rural cooperative medical system has risen to 220 yuan this year, which is the lowest payment standard. Now it's rising very fast, 22 times.
202 1, and the new rural cooperative medical system pays 202 1 again. It is said that the new rural cooperative medical system will increase this year, and the average per capita will increase to 30 yuan, reaching 250 yuan. Of course, the regulations of rural cooperative medical insurance vary from place to place, some are graded, and some are only paid according to the minimum standard. Our side is a standard-each person pays a fixed fee every year, which is expected to reach 250 yuan this year, in which the new rural cooperative medical system pays 20 yuan more and the medical insurance for serious illness pays more 10 yuan.
Rural medical insurance has been reformed since 1, 2065438 1 month, and merged with urban workers' medical insurance, which is collectively called urban and rural residents' medical insurance. In this way, the reimbursement rate of rural medical insurance has increased, reaching an average of 60%~70%, and the medical insurance for serious illness can reach about 80%. However, medical insurance for serious illness must have a bottom line. Every discharge on our side is 65438.
Rural medical insurance is only reimbursed in hospitals without compensation. In other words, after seeing a doctor, farmers are reimbursed according to a certain proportion in accordance with relevant regulations. So I don't understand the reimbursement procedures and proportion of rural medical insurance at all, including the basic nature of rural cooperative medical care. Rural cooperative medical care is a kind of charity medical insurance, that is, everyone pays a little and the finance takes a little. This can solve the problem that rural people look down on illness and disease. It does play a certain role in rural seriously ill patients.
Give a realistic example. There is a college student here. After graduating from college, he went to Shanghai to find a job, worked there to earn money, and saved the bucket of gold of 1. He feels that his ability is beyond the scope of his work. So I went home to start my own business and began to buy endowment insurance for urban workers in enterprises. After returning home, I moved my hukou directly to the village and felt very healthy, so I didn't pay rural medical insurance. In less than a year, I was diagnosed with leukemia, and then I went to Tianjin for treatment, which cost nearly 400 thousand. Because I didn't buy rural medical insurance or other medical insurance, I have to bear a lot of medical expenses myself, spend all my savings and borrow a lot of foreign debts. This kind of pain in my heart can only be borne by myself.
In short, such a realistic example shows that the new rural cooperative medical system really plays a great role in the economy for those who suffer from serious illness. Of course, spending money on the new rural cooperative medical system, if you are not sick, is equivalent to buying health and safety for one year, and now the new rural cooperative medical system has been reformed and a special medical insurance account has been set up for individuals. If it is useless to pay insurance this year, or if the individual new rural cooperative medical system has surplus money, it will be directly carried forward to the next year for continued use. This policy of benefiting farmers is the benefit of merging with medical insurance for urban workers. Therefore, the rate of increase of the new rural cooperative medical system is relatively large, and this year, the minimum per person has to pay 250 yuan every year, and some other places have to pay more. However, if the economy permits, we must pay for the new rural cooperative medical system, which is equivalent to having medical insurance, being responsible for ourselves, the family and the society.
The reimbursement of rural medical insurance to provincial hospitals, if it is a tertiary hospital, is 30%, depending on the number of Class A drugs and Class B drugs used.
Reimbursement is divided into rural residents and urban workers: 1, and the proportion of residents' reimbursement is 60% in town hospitals; 40% reimbursement for secondary hospitals; Third-level hospitals are reimbursed 30%.
2, urban residents, in a settlement year, the medical expenses that meet the scope of reimbursement are 65,438+10,000 yuan, the threshold for tertiary hospitals is 659 yuan, the reimbursement ratio is 50%, and the upper limit is 2,000 yuan; The Qifubiaozhun for hospitalization in secondary hospitals is 300 yuan, and the reimbursement rate is 55%; There is no Qifubiaozhun in first-class hospitals, and the reimbursement rate is 60%.
3. For reimbursement in different places, you need to go back to your hometown, and the reimbursement rate is 35-65%, which varies according to the level of the hospital.
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Note: 1. Patients who have participated in the new rural cooperative medical system can be reimbursed directly by swiping their cards in the designated medical institutions of township-level general outpatient clinics in the region with their valid certificates and medical cards, and be hospitalized in the designated medical institutions in the region and outside the region, and can be reimbursed directly by swiping their cards when they are discharged.
2. Insured patients are hospitalized in secondary and above public hospitals outside the city. Within 3 months after discharge, the insured or their families will submit the original medical expense invoice, detailed list of hospitalization expenses, discharge summary, outpatient medical record, medical card, patient ID card, household registration book and agent ID card to the new rural cooperative medical system window of the district administrative service center for reimbursement of medical expenses.
3. Special disease outpatient reimbursement can apply to the new rural cooperative medical management center with the cases, relevant examinations, laboratory tests, medical institutions' certificates and the approval form for outpatient treatment of special diseases of the new rural cooperative medical system issued by the designated medical institutions at or above the second level. After examination and approval, outpatient medical expenses can be included in the scope of reimbursement of the new rural cooperative medical fund, and can be reimbursed annually according to the hospitalization reimbursement standard.
4. After being discharged from the hospital due to accidental injury, the patient needs to submit the confirmation certificate of the cause of accidental injury and the medical records of the hospital with the signature and seal of the village where the household registration is located. Those who cannot provide valid certificates and records will not be accepted. Once it is investigated and audited by the new rural cooperative medical system, it will be reimbursed once it is true. If the responsibility is the responsibility of a third party, it will not be reimbursed.