The payment deadline for NCMS is finalized, and if you do not pay it after the expiration date, it will be invalid, do you pay it in time?
Costs are rising again, increasing the burden on rural residents.
NCMS is the only medical insurance for farmers, but the cost of NCMS continues every year, bringing a heavy economic burden to rural residents. In 2024, the standard cost of NCMS across the country will be as low as 380 yuan and as high as 800 yuan, and the farmers' families will spend thousands or even tens of thousands of yuan in insurance costs. In rural areas where social security measures are inadequate and the economic situation of farmers is generally difficult, cropping and animal husbandry are often more costly activities. As a result, for many peasant families, paying for health insurance is almost a luxury. In their opinion, this one"Insignificant"The cost is likely to be a year's worth of savings for the whole family. Therefore, they would rather save the money than pay the cin.
Difficulties in accessing health elsewhere have increased the hesitation of rural residents.
At present, most young people in rural areas go out to work and have little time to settle in rural areas. However, according to the current NCMS regulations, medical expenses can only be reimbursed in the urban areas where they are located, and it is difficult for farmers who work in other places to enjoy the NCMS treatment. Even in designated hospitals, the reimbursement rate is very low, which makes farmers who go to the city feel that the NCMS has become insignificant, as if it is useless. This is one of the reasons why farmers are reluctant to pay for the NCMS.
The actual refund rate is disappointingly low.
Although the national medical insurance department claims that the reimbursement rate for NCMS hospitalization has reached 70%, in fact it is less than 40%. In addition, since the hospital's operating model is to take care of medical care, the hospital has become a for-profit unit, and all departments and doctors need to generate income. Hospitals rely on medical insurance premiums to make profits, resulting in the phenomenon of minor illnesses and excessive medical treatment. As a result, while the reimbursement rate is 70%, the cost of medical care is higher, which is one of the reasons why more and more people feel that medical treatment is still expensive. Regardless of whether they pay the NCMS fee or not, everyone feels that seeing a doctor is still a big burden. As a result, more and more farmers have begun to doubt the significance of NCMS and lose confidence in NCMS.
Conclusion. Although the payment period of NCMS is fixed, for more and more farmers, not paying NCMS fees has become their choice. On the one hand, this is due to the heavy economic burden that the cost ** places on farmers;On the other hand, the difficulty of seeking medical treatment in other places and the low effective reimbursement rate have also made farmers doubt the actual benefits of NCMS. However, when rural residents only have the NCMS as medical insurance, they can only pay out of pocket if they do not pay the NCMS fees, which is a huge medical risk. Therefore, as a leading department, we should increase efforts to publicize the NCMS policy, solve the actual situation for farmers, and let farmers enjoy the benefits brought by medical insurance. At the same time, it is also necessary to speed up the reform of the rural social security system, raise the level of peasants' income and social security, and let the peasants pay for the new rural cooperative cooperative system and fully enjoy the benefits of medical insurance.