居民医保和职工医保有何区别？能同时参加两种吗？
近期，很多地区的2024年城乡居民医保缴费已经进入收官阶段。很多人的疑问就来了，那在老家每年的城乡居民医保，还要不要继续缴呢？在单位缴的社保和城乡居民医保有什么区别，能不能同时使用？哪个报销比例更高？
今天，小保就来为大家一次性解释清楚了。
基本医保的分类
对于基本医疗保险，一般分为职工医保、城镇居民医保以及新型农民合作医疗这三个种类。
一、职工医保
职工医保也就是大家平时缴纳的“五险”中的医疗保险。特殊群体如灵活就业者也可以参保。
二、居民医保
参保对象是没有参加职工医保的居民，包括儿童、老年人和成年人。新农合目前已经整合进了居民医保里，原来参加新农合的朋友们，你们现在参加的就应该是居民医保。
职工医保和居民医保
有什么区别？
一、参保对象不同
职工医保：劳动年龄内在单位就业的职工、灵活就业人员、以及单位的退休职工。
居民医保：未成年人(含新生儿)、学生、老年居民、未就业成年居民。
二、缴费方式不同
职工医保：按月缴纳。缴费金额等于个人的缴费基数乘以缴费比例。一般来讲，即使按照最低缴费基数缴费，每月也需要缴纳几百元。
居民医保：按年缴纳。缴费金额远低于职工医保，今年规定的个人缴费是380元。
三、报销待遇不同
职工医保：有个人账户；累计缴费年限满足规定，达到法定退休年龄后，无需缴费终身享受医保待遇；报销比例较高。
居民医保：无个人账户；居民医保缴一年保一年，不计算缴费年限；报销比例略低于职工医保。
这里以北京市为例，给大家看看二者的报销比例的不同：
四、缴费年限不同
职工医保：现目前大多数地区要求参保人累计缴纳满20年或25年，但是各地区之间存在一定差异。
居民医保：城乡居民医保不设缴费年限，缴纳一年享受一年，不缴不保。
城乡居民医保常见问答
一、已参加职工基本医疗保险(含外出务工人员、灵活就业人员等)的人员，可以重复参加居民医保吗？
不可以，按照医疗保险政策规定，同一参保人在同一时间段内不允许重复参加同一制度或不同制度的基本医疗保险。
二、首次参加居民基本医疗保险，可以直接缴费吗？
需先持有效身份证件(包括身份证、居住证、户口簿、护照、港澳居民来往内地通行证、港澳台居民居住证、外国人永久居留证等)到户籍所在地或长期居住地医保经办机构服务大厅或指定服务点办理参保登记手续(具体办理地点以当地公布为准)，再通过线上或线下渠道进行缴费。
三、以前参加过居民基本医疗保险，中间停缴了，今年重新参保，怎么缴费？
继续在原参保地缴费的，直接通过线上或线下渠道缴费即可；转移参保地的，需在新的参保地办理参保登记手续后方可缴费。
四、哪些门诊费用居民医保可以报销？
部分地区居民医保可以报销普通门诊费用、门诊慢特病费用、“两病”门诊费用。具体待遇情况与报销标准以各统筹区具体规定执行。
五、如何帮助家人缴纳居民基本医疗保险费？
分为线下和线上两种缴费方式。
线下缴费：持代办人和本人有效身份证件到指定缴费点进行缴费。
线上缴费：在当地税务APP、支付宝等平台上，按照缴费步骤操作即可。
来源 | 51社保网
编辑 | 杨紫萱 何作为
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