In the past, our own employee medical insurance was divided into enterprise payment part and individual payment part. I pay, and 30% of the departments immediately pay into our own medical insurance card. Generally speaking, we can use this consumption card directly when we seek medical treatment or get medicine. Similarly, the money in our own savings card can be manipulated by us and can be used to swipe credit cards to buy drugs.
The amount in our own medical insurance card will be reduced, and the personal medical insurance account will be reduced by half. What do you mean? In other words, 30% of the fees charged by the company will not be transferred to their personal accounts. Only the personal account paid by the enterprise will be remitted abroad. In other words, in the past, the personal account was about 150 yuan per month. Today only 50%, that is, 75 yuan. This is our first change.
Does everyone want to know why the money is missing? In fact, this large sum of money is used to improve outpatient reimbursement, which is also the second change we want to discuss. Why should outpatient reimbursement be improved? In fact, it is also to better reduce everyone's medical expenses. For example, after the change, the outpatient department of the chronic disease hospital will reimburse the expenses.
In that case, without this large sum of money, can you be curious about whether the expenditure will increase? In fact, this large sum of money is used to increase the cost of outpatient service. This is also the second change we discussed. Now we go to the clinic more than the hospital. Chronic diseases and outpatient clinics can also be reimbursed in the future.
General outpatient service is included in the scope of medical insurance, and the reimbursement amount is not less than 50%. In addition to common fever and fever and cold, outpatient examination in primary hospitals can also be reimbursed, and even chronic diseases such as hypertension, diabetes and hepatitis B can also be reimbursed. Chronic diseases in some areas are also covered by medical insurance. According to different diseases, there are thousands to tens of thousands of reimbursement quotas every year. The actual amount lies in the current local expense reimbursement policy.
The third change is that one person buys insurance and all families enjoy it. What do you mean? Simply put, the funds in the employee medical insurance personal account need to be used by your other half, parents and children. This was also forbidden before, because the funds in the personal account were required for his own use. But now, after the reform, as long as the balance of their medical insurance card account is sufficient, the family can swipe their credit cards together to get medicine.
The fourth change is the cross-regional settlement of medical insurance, and you can also swipe your credit card to go to other places for medical treatment. By the end of the year, relevant regulations stipulate that at least one designated medical institution in each county can provide cross-regional liquidation, including outpatient service. For the elderly who live in different places or move with their children, it is much easier to apply for a medical insurance card.
The fifth change is that there is more old-age insurance. Old-age insurance premium is increasing at the rate of 3-5% every year. This is also increased on the premise of the original pension. Although some people say that the elderly with small endowment insurance should not need much money, it is the state's care and care for the elderly. In this adjustment, many places will also use social security cards to pay old-age insurance. Be sure to remember to activate the bookkeeping function of social security card.
Because there is no national overall planning for medical insurance, the progress of reform and innovation varies across the country! But the final development trend must be the same! Although there is much less money in the personal account, the personal account can be used by the whole family as a whole. However, some netizens even reported that there are a lot fewer personal accounts, which may not be enough. How to use them as a whole?