This year, the payment of the new rural cooperative medical system has increased a lot compared with previous years, and each person pays the minimum 350 yuan every year. But at the same time, some people can enjoy the treatment of the new rural cooperative medical system without paying the fee.
How much does everyone need to pay for the payment of the new rural cooperative medical system in 2023?
The annual payment opening time of the new rural cooperative medical system is from September 1 day to the last day of the year. Moreover, the new rural cooperative medical system is paid for one year and enjoys one year's treatment. If you don't pay, you can't enjoy the treatment of the new rural cooperative medical insurance.
The new rural cooperative medical system started in 2003. At that time, the standard of payment per person was 10 yuan per year, and the state subsidized 20 yuan. After that, the payment standard of the new rural cooperative medical system is rising every year. By 2022, the payment standard of the new rural cooperative medical system is the minimum per capita payment of 320 yuan.
According to the notice issued by State Taxation Administration of The People's Republic of China, the Ministry of Finance of the National Medical Insurance Bureau, it can be known that in 2023, the minimum 350 yuan per person per year will be increased, and the state subsidy will not be less than 6 10 yuan per person per year.
Here, we want to emphasize that the annual payment per person is the lowest in 350 yuan, which means that in some areas, the payment of the new rural cooperative medical insurance may exceed that of 350 yuan.
For example, in some developed areas, such as Nanjing, Shanghai, Beijing, Guangzhou, Shenzhen and other places, the payment of residents' medical insurance (now the new rural cooperative medical system is all incorporated into residents' medical insurance, collectively referred to as residents' medical insurance) has exceeded that of 350 yuan.
We can find from the internet that the payment standard of medical insurance for urban and rural residents in Shanghai in 2022 is divided according to age groups:
The individual payment standard for the elderly over 70 years old is 520 yuan, and the financial subsidy is 6 1 10 yuan.
Individuals aged 60~69 pay 690 yuan, and the financial subsidy is 5940 yuan.
The highest payment is for 19~59 years old, and the individual payment is 860 yuan, in which the financial subsidy is 2750 yuan.
The individual contributions of children and college students are in 220 yuan, and the financial subsidies are 1660 yuan and 390 yuan respectively.
From this, we can see that 350 yuan is only the lowest payment standard for residents' medical insurance, and many areas have exceeded this payment.
Therefore, the specific amount of payment per person per year of the new rural cooperative medical system depends on the local published policies, but for rural areas or some remote small towns and villages, most of the minimum payment requirements are 350 yuan per person per year.
Residents' medical insurance is increasing in price every year. Is it worth participating in the 350 yuan, which is the minimum annual payment per person?
Many friends have reported that the payment of the new rural cooperative medical system is getting higher and higher. Now, the annual payment of each person has reached 350 yuan, and a family of four adults has to pay 1400 yuan in one lump sum, which is not a small expense for many poor families.
In addition, some people think that there is no personal account for residents' medical insurance now, and whether they use medical insurance for consumption or not, their medical insurance cards will be cleared every year. For some people who are in relatively good health, it is very likely that this 300-odd yuan will be used to beat Shui Piao.
Some friends also said that the new rural cooperative medical system is what we call, and the reimbursement of residents' medical insurance is based on the principle of proximity. Especially for people living in rural areas or counties and towns, participating in residents' medical insurance can only be reimbursed in some small clinics and health centers, and once they are seriously ill, the proportion of reimbursement to big hospitals and big cities is very small.
Residents' medical insurance will not accumulate payment years, let alone employees who have retired medical insurance like employee medical insurance. Medical insurance can only enjoy one year's treatment after paying one year. In combination with this situation, many friends said that they did not want to continue to participate in residents' medical insurance.
The main questions are:
1. Residents' medical insurance is increasing in price every year, and the cost is too high, which is too heavy for poor families.
2. Without a personal account, the money in it will be cleared whether it is used for the second year or not.
3. Residents' medical insurance reimbursement adopts the principle of proximity. Once they suffer from serious illness and go to a big hospital for treatment, the proportion of reimbursement is relatively low, and the minor illness can not meet the threshold.
4. Residents' medical insurance has no accumulated payment period, and there is no retirement medical insurance treatment. Young and strong people think that they are in good health, so it is not cost-effective to participate now.
Then let's take a good look at whether residents' medical insurance is worth participating in.
Payment has increased, but at the same time, financial subsidies have doubled.
First of all, we want to say that although the price of residents' medical insurance is increasing year by year, the minimum person needs to pay 350 yuan every year, but our contribution is actually only a small part of the overall cost of residents' medical insurance. Each of us pays the minimum annual 350 yuan fee, and everyone can get financial subsidies, with a minimum of 6 10 yuan per person per year.
In other words, if you want to enjoy the treatment of residents' medical insurance without financial subsidies, you need 960 yuan as the minimum payment.
From this, we can know that although the amount of individual contributions is increasing year by year, the financial subsidies are also increasing exponentially.
Conscientiously speaking, this part of the medical insurance cost paid by residents' medical insurance simply cannot support the current level of medical security if they only participate. We should know that many sick families now have to bear huge expenses if they only rely on their own funds to treat diseases, and even if the medical insurance reimbursement is only 50%, it can reduce the burden.
The number of drugs and cases included in medical insurance reimbursement is increasing, and the proportion of reimbursement is also increasing.
In addition, the number of drugs and cases included in medical insurance reimbursement is also increasing. More and more drugs can be reimbursed by medical insurance. For those who participate in residents' medical insurance, the benefits of residents' medical insurance are much more than before.
People are worried about the reimbursement rate. In previous years, the reimbursement cost of residents' medical insurance was about 50%. In 2023, the reimbursement rate of residents' medical insurance will reach 70%, which can relatively reduce the burden of seeing a doctor.
Especially for some families who are sick all the year round, for some chronic diseases such as diabetes and hypertension, it can save a lot of money when you have residents' medical insurance to buy medicine.
In addition, there is no need to pay medical insurance for serious illness in 2023, and patients can directly use residents' medical insurance to reimburse medical insurance for serious illness.
Moreover, in 2023, residents' medical insurance also introduced a system of payment and reimbursement in different places. You can participate in local residents' medical insurance and enjoy local residents' medical insurance benefits only by having temporary residence permits or residence permits.
The number of people participating in residents' medical insurance in China is increasing.
Although people on the Internet have always said that they will no longer participate in residents' medical insurance, according to the bulletin of the development statistics of medical insurance, we can see that with the increase of people's income level, the number of urban and rural residents paying medical insurance is also increasing, and the number of residents paying medical insurance has exceeded/kloc-0.00 billion, and China's medical insurance coverage rate has reached more than 96%.
Moreover, with the increase of age, the probability of illness is getting higher and higher. A spokesperson of the Ministry of Health once pointed out: "About 80% of a person's investment in health in his life is spent on treatment one month before he dies." For those who participate in medical insurance, if there is the guarantee of residents' medical insurance, then the money they can use for treatment can be at least 4-5 times larger to enjoy better treatment.
In other words, if you have100,000 yuan for medical treatment, but you also participate in residents' medical insurance, this100,000 yuan can be used as 400,000 to 500,000 yuan.
Who does not need to pay the cost of residents' medical insurance and can enjoy the treatment of residents' medical insurance?
The cost of residents' medical insurance is indeed increasing year by year. For some people with family difficulties, the payment does have a certain burden, but the state has fully considered this situation. For some people who meet the conditions, they can enjoy the treatment of residents' medical insurance without paying the cost of residents' medical insurance.
Because the policy of residents' medical insurance is based on the announcement of relevant local departments, there are certain differences in different regions.
In some areas, elderly people over the age of 80 can enjoy the treatment of residents' medical insurance without paying the cost of residents' medical insurance, and all the expenses are borne by the local financial department.
In some areas, disabled people with disability certificates, poor households with five-guarantee households, orphans with low-income households, children in distress and special care recipients can also enjoy the treatment of residents' medical insurance directly without paying the fees for residents' medical insurance, and all the expenses are borne by the local financial department.