With the arrival of 2024, the reform of outpatient mutual aid for employees' medical insurance is progressing in an orderly manner. At the same time, the criteria for the inclusion of medical insurance personal accounts in many places have also been adjusted. The news has caused some retirees to be uneasy and worried, as they fear that the policy will have a negative impact on their health care benefits.
In fact, whether the medical insurance benefits of retirees will be affected still need to be carefully analyzed. According to the latest policy, the basic medical expenses paid by the unit will be fully included in the overall planning** and will no longer be divided into personal accounts. At the same time, retirees are subject to an average of 2% to 2 percent of the basic pension5% is transferred to the personal account of medical insurance. This means that the amount credited to the retiree's personal medical insurance account will be reduced by more than half.
Specifically, according to the current medical insurance policy for retirees, the per capita pension is only about 3,600 yuan. And retirees according to the average basic pension of 2% to 25% is transferred to the medical insurance personal account, so the amount transferred to the medical insurance personal account of retirees is only between 70 yuan and 100 yuan. Will the health insurance benefits of retirees be affected relative to the reduction of personal accounts?
In fact, although the money in the personal account has decreased, the increase in the reimbursement ratio and the expansion of the scope of benefits have not reduced the medical insurance benefits. In terms of medical expenditure, it is even relatively reduced. For example, if we look at Nanjing's medical expense reimbursement policy, the maximum reimbursement amount was 80,000 yuan before, but now after the policy is upgraded, the reimbursement amount can reach up to 150,000 yuan. This is the improvement of medical insurance treatment and the encouragement of the policy.
At the same time, with the change of medical insurance inclusion standards in various places, such as Nanjing, Shandong, Shenyang, Liaoning, Hangzhou, Ningbo and other places, the personal accounts of medical insurance will also change. This means that in different regions, the criteria for the inclusion of medical insurance personal accounts will be different. Retirees need to be aware of local policies so that they can better access support and help when they need to use health insurance policies.
In general, although the adjustment of the standard for the inclusion of medical insurance personal accounts has led to a decrease in the amount of money in personal accounts, under the influence of the policy, the medical insurance benefits of retirees have not declined, but have been relatively reduced in medical expenditure. This means that we should take seriously the new policy of medical insurance outpatient mutual aid reform, adapt to the new system changes, and enjoy the benefits brought by the medical insurance reform.
As the saying goes, everything changes over time. The medical insurance policy and the criteria for the inclusion of medical insurance personal accounts also need to be constantly changing to adapt to the development of the times and the needs of the people. Let us be full of confidence and optimistic, accept and adapt to the changes brought about by the reform, and meet the new challenges in the future.