In China, medical insurance is an essential part of life for most people, especially for the elderly, a group with high medical needs, and medical insurance is an important guarantee for them to enjoy their old age.
However, changes in the health care system in recent years have left many people confused and complained about reduced reimbursement amounts. Actually, there is a misconception about this, it's just that we haven't been able to adapt to the new policies and grasp the right way to save money on medical treatment.
With the deepening of the country's reform of public health insurance and the promotion of the family doctor system, we can see that they have indeed opened a window for us to find new ways to enjoy efficient and high-quality medical care while also saving on medical costs.
Today, I would like to introduce to you how to see a doctor for the elderly after the reform of medical insurance, so as to save more money
According to the outpatient medical reimbursement regulations, the starting line of different levels of medical institutions is different, and the reimbursement ratio is also different.
While celebrating technology and humanity, we must not forget the original intention of optimizing the use of resources. How to make better use of limited medical insurance funds, so that more elderly people can obtain a wider range of medical security, is a problem that we need to think deeply.
Taking Dalian's outpatient medical insurance policy as an example, in this port city, the reimbursement rate can reach 70% if you choose a primary or primary medical institution for treatment. Compared with the % reimbursement ratio of secondary and ** hospitals, it is obviously more advantageous.
In other words, when we are suffering from a minor illness, choosing primary care in moderation allows us to receive a higher reimbursement rate and thus save more money.
Of course, this is not to say that we have to abandon senior hospitals altogether. Senior hospitals continue to be our go-to place for complex examinations and specialities.
But once we have a clear diagnosis or get a detailed ** plan,We can completely transfer the prescription to the primary medical institutions for follow-up ** and drug purchase.
In this way, you can effectively avoid the problems of high minimum payment line and low reimbursement ratio of senior medical institutions, which can not only ensure that patients get correct and timely treatment, but also save patients a lot of medical expenses.
At the same time, signing up for a family doctor has gradually become a smart choice for many elderly people.
At present, the family doctor system has been implemented in many regionsResidents who sign up for a family doctor can add an additional 10% to their original base.
Taking Dalian as an example, you can enjoy a higher proportion of reimbursement with only a signing fee of 20 yuan per year. Therefore, signing a contract with a family doctor can not only save time and energy when traveling to a large hospital, but also save a sum of medical expenses.
However, looking at the national social medical insurance coverage, 95% of the insured people can enjoy the corresponding medical insurance reimbursement policy. So how do we make this number more effective?
For example, choose a designated hospital for medical insurance, not only to ensure the reimbursement of medical expenses, but also to ensure the quality of medical services. In addition, when we buy drugs, we should also choose medical insurance designated pharmacies, andTake the initiative to ask the physician for a prescription of medical insurance drugs, which can not only ensure the best effect, but also save the cost of the out-of-pocket part.
In addition, for people with special diseases that require outpatient supervision, in Beijing and other places, the outpatient expenses of some special diseases can be covered in the reimbursement ratio of hospitalization, which greatly reduces the burden of medical treatment for patients. Even if you are in a foreign country, you only need toGo through the filing procedures, you can also enjoy the convenience of real-time settlement.
Finally, the funds in the personal account of medical insurance are a topic worth paying attention to. According to the medical insurance policy, the money in the personal account is used for the insured to see a doctor and buy medicine. If you find that you are short of money, you may want to check your health insurance. After all, that little bit of accumulation every month may solve the problem for you at a critical moment.
In conclusion, the new social security policy will be closer to the needs of the public and provide more comprehensive and efficient medical insurance protection. As a country, we need to continue to monitor the implementation of this policy and continue to improve to meet the medical needs of the vast majority of older people.
I hope that every insured person can find their own way to save money from these tips and enjoy the benefits brought to us by the medical insurance policy.