As mentioned in the original article, the payment of NCMS has increased from 10 yuan per person per year at the beginning, year by year, which has increased the burden on farmers. As a former farmer, I know this very well. Nowadays, rural income mainly depends on farming and raising livestock, and the price of grain, pig prices and agricultural materials is a huge pressure on farmers. The annual NCMS payment is increasing, and for a family of six, the fee to be paid is as high as 2,280 yuan. In the current economic environment, this is a big burden for farmers.
In addition, after participating in the NCMS, although the reimbursement ratio for hospitalization is stable at 70%, many drugs and ** projects still need to be paid by farmers themselves. Coupled with the fact that the total cost of medical treatment is constantly increasing, farmers feel that there is little real income left after participating in the insurance, so they have lost the motivation to actively participate in the insurance.
The economy of most peasant families is limited, and it may be better to meet the needs of life by using the increased annual contributions for other aspects, which is also one reason why farmers are not in a hurry to pay the NCMS fees.
Although NCMS is constantly improving the cross-provincial reimbursement channels, some farmers still complain about the difficulty of reimbursement in other places and the cumbersome reimbursement procedures. This has led to a decline in farmers' motivation to participate in insurance. In some remote rural areas, medical resources are limited, and farmers need to go to other places for medical treatment, and the problem of reimbursement in other places is particularly prominent. Farmers need to spend more time and energy to understand the reimbursement scheme and submit a large number of documents, which is a huge challenge for farmers who lack information transmission channels and service experience. Therefore, the cumbersome reimbursement process has also become one of the reasons why farmers are not in a hurry to pay the NCMS fees.
As mentioned in the original article, some farmers may consider paying the NCMS fee next year. Although it is possible to make supplementary contributions, after the unified payment period, the part of the funds that will not be able to enjoy the state financial subsidy will also need to face a waiting period. As a result, for some farmers, they may choose to wait until next year to pay the fees. However, doing so can create two problems. First of all, the payment standard will change over time**, and farmers will need to pay a higher fee. Secondly, the waiting period means that farmers have to wait for a period of time after paying the premiums before they can enjoy medical insurance benefits. This is a risk for sudden illness or accidents, and farmers will have to pay for their own medical expenses during this time.
The participation in NCMS is paid in a lump sum on an annual basis, and at the end of the year, not only the funds will not be returned, but will also be automatically cleared. This means that farmers need to re-pay their fees every year. For some farmers who spend less money on medical treatment at the end of the year, they may feel that the cost of participating in the insurance for one year is not cost-effective, and eventually give up the decision to participate in NCMS.
There are many farmers around me who think that they are in good health and do not have any problems with illness, so they feel that paying for NCMS is a waste of money. However, illness is unpredictable, and even if you are in good health at the moment, you cannot rule out the possibility of sudden illness or accidents in the future. Participating in NCMS is for prevention, not for luck.
To sum up, there are six main reasons why farmers are not in a hurry to pay the NCMS fees: the NCMS payment is almost every year, the cost of medical treatment after participating in the insurance is still not small, the reimbursement process of non-local insurance is cumbersome, waiting until next year to make up the fees, the regulations that the NCMS will be cleared at the end of the year, and farmers think they are in good health. For these reasons, some farmers have taken a wait-and-see attitude towards paying NCMS fees, thus delaying the decision to participate in the insurance.
In conclusion, the new agricultural cooperation is a project that benefits the people and plays an important role in rural areas. However, the phenomenon that farmers are not highly motivated to participate in the NCMS cannot be ignored. In view of this problem, we should actively solve the problems that farmers are concerned about, such as reducing the burden of payment, increasing the reimbursement ratio, and simplifying the reimbursement process, so as to enhance farmers' confidence in NCMS and their willingness to participate in the NCMS. In addition, farmers should also enhance their health awareness and participate in NCMS in a timely manner to cope with sudden diseases and unexpected risks. Only through joint efforts can we provide better medical security for all farmers and promote the stability and sustainable development of the rural economy.