In 2023, the medical insurance rebate has plummeted, and some 70-year-old retirees will fall from 300 yuan per month to 100 yuan

In 2023, the most discussed is the sharp decline in medical insurance card refunds, and some 70-year-old retirees return 300 yuan per month, directly falling to 100 yuan, and they have expressed their incomprehension, what is going on?

The recent spread of the epidemic has made hundreds of millions of people "shot", and more elderly people will choose to buy medicine, or go to the hospital, their medical insurance card fee reduction, will it affect the reimbursement of treatment?

01, the reform of medical insurance, many people have personally felt, the reduction of card treatment, and even some people have complained.

Before the reform of the medical insurance card, the treatment of local medical insurance rebates in most regions was mainly related to everyone's pension, and the proportion was about 3%~6%.

For example, in Wuhan City, Hubei Province, the original practice was to return 5.1% for the elderly over 70 years old, which is already quite high, which means that the pension of 6,000 yuan can be returned about 300 yuan, and the pension of 8,000 yuan can be returned about 400 yuan.

It is also a lot of income throughout the year, which relieves a lot of pressure for some elderly chronic disease groups. However, if the pension is 1,000 yuan, only 51 yuan can be returned, which has a high gap.

After the medical insurance reform in many regions, the proportion and benchmark of rebates have been unified, that is, according to the level of local people's per capita pension, the same proportion of rebates are made.

This approach to the same level is obviously to let the original monthly rebate of 300 yuan down to about 100 yuan, and let those who originally had about 51 yuan can rise to about 100 yuan, some people say that this reflects social fairness, others say that there should be a gap to be fairer.

02, after the reform, the per capita pension level is about 3,000 yuan, and it is difficult for ordinary people to receive 300 yuan.

However, there are also relatively good policies in some regions, such as Ningbo and Hangzhou in Zhejiang Province.

Their most humane approach is to receive the amount of money returned to the medical insurance card for the whole year of 2023 in January, which is about 3,600 yuan, which has been praised by countless participants.

In addition, there is Nanjing, Jiangsu, for new retirees in 2023, according to 5.4% of their own pension, then it is also possible to transfer 300 yuan per month to medical insurance.

Of course, this possibility only exists in people with a pension of about 6,000 yuan, and the vast majority of these people are middle and high-level personnel in state-owned enterprises and institutions and institutions, and it is difficult for ordinary people to reach this level.

03, Will the medical insurance reform change to change everyone's treatment lower? Apparently impossible.

Medical insurance is to reduce the financial burden when we are sick, but many people in life use the money of the medical insurance card to buy daily necessities in the pharmacy, which obviously goes against the original intention of the establishment of the medical insurance card.

Therefore, the direction of medical insurance card reform is to improve the total treatment of outpatients, that is, if you go to the hospital for treatment in the future, the treatment of the threshold is lower, the treatment of reimbursement is higher, and the treatment of the ceiling is also higher.

There is also a settlement for medical treatment in different places, which makes it more convenient for insured people and retirees who seek medical treatment in various places due to diseases.

To sum up, the reform of the medical insurance card is to return less money from the medical insurance card account, but the treatment of outpatient coordination and hospitalization coordination will be improved, and on the whole, everyone's treatment has not decreased, but in emergencies, medical insurance has really helped those who urgently need to reduce the burden of medical treatment.

Reviewer: Ye Jiayi

American editor: Morning Morning

Read the original article