NCMS isFarmersWe are the only onesMedicalinsurance, but every year the cost of NCMS is constantly **, giveRuralResidents have a heavy financial burden. In 2024, the minimum cost standard of NCMS in various places is 380 yuan, and the high one will reach more than 800 yuanFarmersFor families, it costs thousands of yuan or even tens of thousands of yuan in insurance costs. InRuralSocial securityThe measures are not perfect,FarmersThe economic situation is generally more difficult, and farming and farming are often at a loss. So, for manyFarmersFor families, paying for NCMS is almost a luxury. In their eyes, this "insignificant" expense is likely to be a family's savings for a year. Therefore, they would rather save this amount of money than pay for NCMS.
Nowadays,RuralYoung people are mostly working in the field and have little time to settle downRural。However, within the current scope of NCMS, reimbursement can only be made within the city where it is locatedMedicalFees, for off-site workFarmersIt is very difficult to use the rights and interests of NCMS. It is difficult to swipe the card in a remote hospital, outpatient and hospitalization, and even if it is reimbursed in the designated hospital, the reimbursement ratio is very low, which makes it difficult for those who go to the city to workFarmersI feel that NCMS has become meaningless, like useless. This is tooFarmersOne of the reasons for the reluctance to pay the NCMS fee.
Although the countryMedicareThe department claims that NCMS reimburses 70 percent for hospitalization, but in reality it is less than 40 percent. In addition, since the hospital operates as a medical care model, the hospital has become a profit-making unit, and all departments and doctors need to generate income. Hospitals rely onMedicareexpenses to obtain profits, which led to minor illnessesExcessive medical treatmentphenomenon. Therefore, even though the reimbursement rate reaches 70%, butMedicalThe cost is more, which is one of the reasons why more and more people feel that seeing a doctor is still expensive. Whether they pay or not, people feel that seeing a doctor is still a huge burden. Therefore, more and moreFarmersI began to doubt the significance of NCMS and lost faith in it.
Although the payment deadline for NCMS has been determined, it is still important for more and more peopleFarmersNot paying NCMS fees has become their choice. On the one hand, it is because of the continuous payment of feesFarmersBrings a heavy financial burden;On the other hand, it is due to the difficulty of seeking medical treatment in other places and the low actual reimbursement ratioFarmersDoubts have arisen about the practical benefits of NCMS. However, inRuralResidents have only the New Farmer CooperativeMedicalIn the case of guarantees, non-payment of NCMS fees will make them completely self-paying, facing a huge number of problemsMedicalRisk. Therefore, as a leading department, we should increase the publicity of the NCMS policy and solve itFarmersThe reality of the predicament that they truly enjoyMedicareBenefits: At the same time, it is also necessary to increase the number of people who needRuralSocial securityThe intensity of the reform of the system has been improvedFarmersincome level andSocial securityHorizontal, letFarmersAbility to pay for NCMS and fully enjoy itMedicalBenefits that come with protection.