As the deadline for payment of NCMS in 2023 is approaching, we can't help but wonder: what does this system mean for urban and rural residents?What role does it play in solving health problems?
1. The essence and significance of NCMS
The New Rural Cooperation is a system of mutual medical assistance and mutual aid, which aims to alleviate the problems of difficult and expensive medical treatment for urban and rural residents. Its significance is reflected in ensuring residents' medical and health services, reducing economic burdens, and benefiting the people.
According to the latest data released by the National Health Commission,As of the end of September 2023, more than 600 million people have participated in NCMS nationwide. After the implementation of the NCMS policy, the reimbursement ratio of inpatient medical expenses in rural areas has been greatly increased, effectively solving the problem of "difficult and expensive medical treatment" for rural residents.
2. Existing problems in the new agricultural cooperative system
However, there are imperfections in any policy or system, and NCMS is no exception. Problems such as the management and use of medical insurance for urban and rural residents, the decline in willingness to participate in insurance, and the frequent occurrence of insurance interruptions still plague the system.
1.Management and use of medical insurance for urban and rural residents
In 2022, the "Interim Measures for the Management of Financial Revenue and Expenditure of National Medical Insurance for Urban and Rural Residents" stipulates that the use of ** should be carried out in the way of "budget first and then expenditure", but there are cases of indiscriminate spending in the use of ** in some places. According to reports, the NCMS in a province and city has been used to purchase high-end hotel rooms, luxury cars and other projects, which has seriously eroded the actual benefits of the first and damaged the rights and interests of the insured people.
2.Willingness to participate in insurance has decreased
In the early days of the implementation of the NCMS system, the willingness to participate in the insurance was very high due to the fact that it mainly relied on individual contributions and financial subsidies. However, in recent years, the proportion of financial subsidies for NCMS** has gradually increased, while the proportion of individual contributions has decreased, which has led to a decline in farmers' willingness to participate in NCMS in some areas.
3.The phenomenon of insurance loss is frequent
According to Xinhua News Agency, the number of NCMS people nationwide has increased for many years. At the 2019 Poverty Alleviation and Development Work Conference, Liu Yongfu, director of the Poverty Alleviation Office, said that the National New Rural Cooperative Medical System was "out of insurance" and "in arrears", and even a huge amount of arrears occurred.
3. State reform measures on the issue
In order to make NCMS healthy, long-term and sustainable, the state has continuously promoted the reform of the medical insurance system for urban and rural residents, and improved the adaptability of the medical insurance system and the willingness of urban and rural residents to participate in the insurance. Specific reform measures include further raising the standard of financial subsidies and strengthening the supervision of medical insurance.
1.Further increase the standard of financial subsidies
In 2022, the National Health Commission and the Ministry of Finance jointly issued the Notice on Doing a Good Job in the Financial Subsidies for Basic Medical Insurance for Urban and Rural Residents in 2022It is stipulated that all localities shall, according to the actual situation, appropriately increase the financial subsidy standard of medical insurance for urban and rural residents to ensure the normal operation of the city.
2.Strengthen the supervision of medical insurance**
In order to avoid the abuse of NCMS**, the state strictly supervises medical insurance**. In 2023, ** issued the "National Regulations on Medical Insurance for Urban and Rural Residents".It clearly stipulates the operation and management of medical insurance, and requires medical insurance departments at all levels to use and manage medical insurance in strict accordance with relevant regulations.
Fourth, the future prospect of the New Rural Cooperative Medical System (medical insurance for urban and rural residents).
Looking ahead, we can foresee that the national financial subsidy to insured residents will be further increasedThe increase in the total amount of medical insurance** will help improve the level of primary medical care. At the same time, the improvement of the management and use of medical insurance funds, and the openness and transparency of the flow of funds will enhance farmers' trust in NCMS and their enthusiasm for participating in NCMS.
Here's an example of what the calculations are:
The total amount of NCMS in a province and city is currently 10 billion yuan, of which the financial subsidy accounts for 50%. Suppose the province has a population of 100 million, and 80% of its residents are insured. According to the regulations on the management of medical insurance for urban and rural residents, the proportion of individual contributions is 10%, and the proportion of financial subsidies is 90%. According to this example, the operation and distribution of NCMS** in the province and city are as follows:
- Total individual contributions: 100 million 80% 10% 80 million
- *Total financial subsidy: 100 million 80% 50% 400 million
- NCMS** Total: 80 million 400 million 4800 million
- *Usage ratio: budget first and then spend, no indiscriminate spending**
The above data illustrates the distribution of NCMS, and also shows the importance that the government attaches to NCMS.
Conclusion:
The continuous reform and improvement of the medical insurance system for urban and rural residents requires the support of national policies and financial funds and the cooperation of the peasant masses. We call on the general public to actively respond to the call of the policy, pay more attention to the development of NCMS, and realize that the suspension of payment and insurance is not the best solution.
AI assistant creation season