If you take part in the medical insurance for urban workers, the balance of the personal account of the medical insurance card can be deducted from the pharmacy or the outpatient settlement. First of all, in 222, many employees' personal accounts of the medical insurance card really ushered in great changes. Recently, for example, Shijiazhuang, Hebei Province explicitly notified that the "Detailed Rules for the Implementation of the Economic Security Mechanism for Outpatients with Basic Medical Insurance for Employees" will be started on January 1, 222.

Then, Shandong Province's "Implementation Plan for Establishing and Perfecting the Security Mechanism of Employees' Basic Medical Insurance Outpatient" has been published recently, which stipulates that employees' medical insurance personal accounts should be reformed, and employees' medical insurance outpatient * * * benefits should be established-from January 224, the basic medical insurance premiums paid by working employees will no longer be included in personal accounts, but all of them will also be included in the medical insurance pooling fund;

in Qinghai province, it was recently announced that employees' personal accounts have been adjusted, which can be used for reimbursement of outpatient medical insurance fees, and can also pay the medical expenses incurred by the immediate family members in outpatient hospitalization.

Therefore, it can be seen that the medical insurance for employees in many places has indeed undergone many changes. By 222, the money injected into employees' personal medical insurance cards will be reduced in many places-then some people may say, won't it be a big loss? In fact, it is not, because all the money paid by the unit has entered the overall fund, which can be used to improve the outpatient and inpatient reimbursement, prevent this part of the funds from sleeping in the personal accounts of many young people's medical insurance cards, and strengthen the strength of the national medical insurance overall fund!

2) The way of using personal medical insurance accounts has changed, but it will not be completely cleared.

In 222, the amount of money received by many people will shrink, which may be misunderstood by a few people as a total cancellation-in fact, personal accounts will not be completely cancelled in 222, and many local medical insurance cards can help families, such as the above.

3) What's the use of the balance of the personal account of the employee's medical insurance card? If not, will it be reset regularly?

In 222, although the amount of money transferred into personal accounts in many places will be slightly reduced, the money paid by individuals will still be injected into them, and employees can use it to buy medicines or see doctors in outpatient clinics. These balances are very useful-even if you don't spend the rest, the funds will not be cleared regularly, but will be automatically saved, and the interest will be calculated and entered into personal accounts. Moreover, the personal accounts of retirees' medical insurance cards will be refunded in proportion. It will also increase every year with the increase of pension, and the difference will be replenished every year, and the return ratio is generally about 2% ...

Then, even if the cardholder of the medical insurance card dies unfortunately, the remaining money in the personal account of the medical insurance card can be inherited by the spouse, children and so on, so even if the medical insurance reform in 222, the money in the personal account will not be completely cancelled or cleared, so you don't have to worry too much.

4) Reminder: Urban and rural residents' medical insurance is different. In 222, personal accounts in many areas have been cancelled.

Urban and rural residents' medical insurance and employee medical insurance are two different systems. At present, personal accounts have been cancelled for urban and rural residents' medical insurance, and all the money paid has entered the overall account-it seems that it will suffer, but it will not! Because this has greatly improved the outpatient and inpatient medical reimbursement of urban and rural residents, and ultimately benefited all the insured farmers and urban and rural residents.