NCMS is an important social security policy for farmers in China, which provides rural residents with services such as medical insurance and serious illness insurance. However, it has recently been reported that there will be new changes in the fees of the new rural cooperative system, which has aroused the attention and heated discussions of the majority of farmers. Among them, the most concerned is the charging principle of "don't spend, don't pay, spend more, pay more". Is this change good or bad for the vast number of farmers? How should we view this change?
Let's take a look at the significance of the new NCMS charging principle of "don't spend, don't pay, spend more, pay more". According to the previous regulations, regardless of whether the family income is high or low, and the cost of illness is high or low, farmers need to pay a certain amount of NCMS fees every year. This fixed fee model is undoubtedly a burden for some farmers who are in financial difficulty. The adoption of the new NCMS charging principle of "don't spend, don't pay, spend more, pay more" can share medical expenses more fairly. If a family does not incur medical expenses within a year, then they do not need to pay NCMS fees; And if a family's medical expenses are large, then they need to pay the corresponding expenses. In this way, more economically struggling peasants will be able to enjoy more burden-reducing policies and make better use of social resources.
Let's analyze the problems that the principle of "don't spend, don't pay, spend more, pay more" can bring. Some worry that this principle of charging may encourage farmers to overdo it, leading to a waste of medical resources. However, this concern is unfounded. First of all, the scope of reimbursement of medical expenses of NCMS is limited, and farmers can only be reimbursed within the prescribed range. Second, the reimbursement ratio of NCMS is also limited, and the medical expenses borne by farmers are still high. Therefore, even if the principle of "don't spend, don't pay, spend more, pay more" is adopted, farmers will strictly control their own medical expenses. In addition, there is also a corresponding regulatory mechanism between the NCMS medical insurance agency and the medical institution, which can effectively prevent the waste of medical resources. We should also take into account the impact that changes in NCMS fees may have on the quality of medical services. Some fear that the adoption of the "don't pay, pay more" principle will lead to a decline in the quality of health care in rural areas. However, this is not the case. As a national policy, the NCC has a series of regulatory measures and management regulations on the quality of medical services. Neither the previous fixed fee model nor the current principle of "spend more, pay more, pay more" will not have a substantial impact on the quality of medical services in rural areas. More importantly, the change in the fees of NCMS may promote the reform of the medical service system in rural areas, promote the rational distribution of medical resources in rural areas, and improve the quality of medical service supply.
To sum up, there will be a new change in the principle of "don't spend, don't pay, spend more, pay more" in the NCMS fees, which will not only reduce the economic burden on farmers, but also better mobilize farmers' consciousness and enthusiasm for medical expenses. In addition, we should also note that the change in NCMS fees may promote the reform of the medical service system and improve the quality and supply efficiency of medical services. Therefore, I am personally supportive of this new change. Of course, different people's opinions may differ, and we need to find better solutions through more discussion and research to provide better social security services for the majority of farmers.