The Rural New Rural Cooperative Medical Insurance System is an important medical security system in rural China, which aims to provide more comprehensive and effective medical security for rural residents. However, in recent years, with the continuous improvement of medical costs and the uneven distribution of medical resources, the NCMS medical insurance system has also faced some doubts and challenges.
Among them, one of the issues that has attracted much attention is whether the NCMS medical insurance protects farmers or hospitalsSome people believe that the original intention of the NCMS medical insurance system is to ensure the basic medical needs of farmers, but in practice, there are some problems. For example, in order to obtain more profits, some hospitals will over-**, over-check, and even deliberately exaggerate the condition to make patients accept unnecessary **. These behaviors not only increase the medical burden of farmers, but also lead to the waste of medical resources.
Another question is whether the NCMS medical insurance system is worth continuing to paySome farmers believe that the cost of NCMS medical insurance is ** year by year, but the reimbursement rate is not high, and in many cases it cannot really reduce their medical burden. In addition, some farmers worry that as they get older, the cost of health insurance will become higher and the return will be less. As a result, they are hesitant and confused about whether to continue to pay for the NCMS medical insurance.
In response to these problems, we need to go deep and think deeply. First of all, should the NCMS medical insurance system be based on ensuring the basic medical needs of farmers, or should it be based on the profits of hospitals?If the starting point is to ensure the basic medical needs of farmers, then what measures should be taken to ensure that farmers can receive timely and effective medical needs?If the profit of the hospital is taken as the starting point, then how to balance the interests between the hospital and the patient?
Second, is it worth continuing to pay for the NCMS medical insurance system?If farmers feel that paying health insurance premiums is a burden, what should be done to reduce their burden?For example, a tiered payment method can be adopted to determine the amount of payment according to the income level of farmers;It is also possible to increase the reimbursement ratio, so that farmers can really get benefits.
In short, the rural NCMS medical insurance system is an important medical security system, which requires us to think carefully and improve. We should take the basic medical needs of farmers as the starting point and take practical and effective measures to ensure that farmers can receive timely and effective medical needsAt the same time, we should also consider how to reduce the burden on farmers and let the NCMS medical insurance system really play a role in guaranteeing. Only in this way can the vast number of rural residents truly enjoy the benefits brought by medical security.