As we all know, urban people use medical insurance to see a doctor, while rural residents use the New Rural Cooperative Medical System (NCMS) to see a doctor. NCMS provides a medical guarantee for rural residents. In the past, many rural residents have been staying up when they are sick, so that a minor illness has become a major illness, and in the end they can only choose to give up**. After the implementation of the NCMS, the situation has changed considerably.
After entering September, the payment of NCMS in 2024 began to start in various places. This year, all villages have posted announcements on the payment of NCMS. However, this year, the enthusiasm of rural residents to pay for the NCMS is not high. In this regard, many urban people are puzzled, why do so many people choose to "abandon the NCMS" because the reimbursement rate is 70%, which provides medical security for rural residents?In this regard, some old farmers bluntly said the following four major problems.
First, NCMS cannot solve the medical burden of villagers
On the face of it, the reimbursement rate of NCMS is now 70%. But in fact, there are two problems here: one is that the reimbursement ratio of 70% is only available in village clinics, while the reimbursement rate for hospitalization in township hospitals is only 60%, and the reimbursement ratio for hospitalization in tertiary hospitals in cities is only 50%, and the reimbursement ratio of NCMS is not very high.
On the other hand, even if the NCMS has raised the reimbursement ratio, the medical expenses are now increasing every year, and the phenomenon of excessive medical treatment is becoming more and more serious, which makes rural residents feel that even if they pay the NCMS, the medical expenses they bear are also very high, and the pressure of expensive medical treatment is still very great, so it is better to abandon the NCMS.
Second, NCMS is in the first place every year
The NCMS was implemented in 2003 and started with only 10 yuan, but now it has risen to 380 yuan. If it is one person who pays NCMS, it is not a big problem, but if a family of 5 people have to pay NCMS, they will have to pay a fee of nearly 2,000 yuan. This is indeed a great pressure for rural families who are not wealthy. Many villagers feel that instead of paying the NCMS to the whole family, it is better to save the money and improve the living conditions of the family, which is more affordable.
Third, NCMS has poor access to medical treatment
Many rural residents live in remote mountainous areas, and if they have a headache and brain fever, they go to the village clinic to dispense some medicine. And in case of a serious illness and limited medical conditions in the village, you have to go to a hospital in a nearby city**. However, due to the lack of transportation, it takes a lot of time on the road and also bears a large part of the medical costs. For rural residents, even if they participated in the NCMS, they still did not solve the problem of "difficult and expensive medical treatment" when they were hospitalized for serious illnesses, so they simply did not participate.
Fourth, the NCMS account is cleared every year
The medical insurance account of urban residents has a cumulative function, even if the funds in the account are not used up this year, they can be used cumulatively next year. If the NCMS account is not used this year, the account will be cleared by the end of the year. If the villagers want to continue to enjoy the medical security of the NCMS, they must continue to pay the NCMS. In this regard, some rural residents feel that they are usually in good health, and the possibility of hospitalization for serious illnesses is very small. Since the NCMS account has to be cleared every year, it is not cost-effective to continue to pay NCMS. Therefore, they chose to "abandon the relationship" with NCMS.
fromStarting from the month, the payment of NCMS in the new year will start again, and the reimbursement ratio of NCMS has reached。However, many rural residents have chosen to "abandon the NCMS". In this regard, an old farmer said the abovereasons. In fact, if the economic conditions allow, it is still necessary to pay for the NCMS.
Especially for some rural elderly and children, with NCMS, there is a medical guarantee. For the able-bodied young people, if the economic conditions are sufficient, they still have to pay the NCMS, because if people eat whole grains, how can they not get sick, and once they are sick and hospitalized, the NCMS can still reduce the pressure of a large part of rural residents to see a doctor.