Starting from 2023, most places have completed the reform of the medical insurance outpatient mutual aid system, and in 2024, the places that have not completed the reform will also make new adjustments one after another.
.01
Adjusted Medicare Rebate Differences
In fact, in 2024, when the personnel of enterprises, government agencies and institutions who will retire in 2024, most of the retirees will have medical insurance refunds, but there are certain differences in the medical insurance refund methods and refund standards in various places, and the return amount of employee medical insurance is also different.
For example, if it is in Anhui, it is now transferred to the personal account of retirees according to a fixed 70 yuan per month, but if it is in Beijing, the standard before and after the reform of medical insurance rebates is the same, 100 yuan per month for those under 70 years old, and 110 yuan per month for those over 70 years old.
At present, the medical insurance rebate in 31 provinces across the country can be summarized into the following ways:
1. The medical insurance refund shall be carried out according to the local per capita pension of about 2%, 2.5% or 2.8%.
In this case, the higher the pension level, the more the amount of medical insurance rebate may be reduced.
There are many regions that have adopted this method, such as Henan, Hebei, Sichuan, Hubei, Liaoning, Shandong and so on. At present, the per capita pension level in most places is within 3,500 yuan, and if it is classified according to the proportion of 2.5%, then it can be classified as 3,500×2.5% = 87.5 yuan per month.
However, if it is changed to 5% of my pension before, then if the pension is 3500 yuan, then it can be classified as 3500×5% = 175 yuan.
2. Allocate a fixed amount.
Taking Shanghai as an example, retirees under the age of 75 will receive an annual medical insurance rebate of 1,680 yuan, and those over 75 years old will receive an annual rebate of 1,890 yuan. That is, no matter how much the pension is, the standard for the final return is the same.
3. Adopt the old method to be included, which is linked to the level of personal pension.
For example, in Wuxi, this year it is still a certain proportion of my pension, which is a one-time 12-month medical insurance rebate for the whole year. Moreover, there is an additional tilt towards retired employees of enterprises, and the proportion of inclusion has reached 7%.
If the pension income of enterprise retirees is 3,000 yuan per month, then this year it can be classified into:
3000×7%×12=2520 yuan
Based on the above, the monthly medical insurance inclusion standards for employees in different enterprises and institutions in different retirement places are also different, and not all retirees' medical insurance returns are uniform.
.02
The impact of health care reform
Based on the above, after the medical insurance reform, the amount of medical insurance for retirees has indeed been slightly reduced. For example, as we mentioned above, the medical insurance rebate will be carried out according to about 2%, 2.5% or 2.8% of the local per capita pension. After the adjustment, the medical insurance rebate is obviously less than half of the past.
In addition, after the medical insurance inclusion standard in the same region is unified, the amount of medical insurance for local retirees will not be much different, and after the amount of medical insurance is fixed, the utilization rate of the balance of the medical insurance personal account of retirees in various places has also increased a lot.
It can be seen from this that after the adjustment of the medical insurance standards for retirees in various places, the impact on retirees is indeed relatively large.
However, relatively speaking, these effects can improve the medical insurance treatment of retirees, and after the ordinary outpatient expenses can be reimbursed, the overall reimbursement ability of medical insurance will be greater, and it will truly achieve the situation of who is sick and who is helped.
Wan Ziwen said: Every word of the article was typed out by me, and I clicked "watching" to let me know that you are also "doing your best" for life.
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