In China's urban and rural areas, the current basic medical insurance system is divided into two types: employee medical insurance and resident medical insurance. Resident medical insurance is a medical insurance system in which urban residents and rural villagers generally participate. Since the merger, the participation rate has also been stable at more than 95%. There is only about 5% left to participate in universal coverage.
Over the years, in order to alleviate the problems of difficult medical treatment and expensive payment for farmers, our country has also continuously optimized the payment policy, and has also implemented a series of relief and assistance measures to help key rural groups participate in medical insurance.
Now, the time for the centralized payment of medical insurance for urban and rural residents in 2024 will also end, and for some people who have not participated in medical insurance, if they do not participate in medical insurance during the centralized payment period, then it does not mean that they will not be able to pay medical insurance in 2024.
In fact, this is not the case, if the local centralized payment period is from September to December 2023, but a new round of collection will be launched in the future. If nothing else, each region will also extend the medical insurance payment period for 2024 according to the situation. It is usually from January to March, and some may even extend to June.
If farmers do not have time to participate in medical insurance during the centralized payment period, then they can also participate in medical insurance during the extended payment period, and enjoy the same medical treatment in 2024 after payment.
What is the standard of payment, each place also has different regulations, under normal circumstances, is to pay 380 yuan, financial subsidy to you 640 yuan, if you continue to miss the payment period, do not participate in the medical insurance, then you need to bear the total financing standard of 1020 yuan, so, people who have not paid must hurry.
So, is it necessary for farmers to pay for health insurance?
If you want to say whether it is necessary for farmers to pay medical insurance, the answer is yes, and it is very necessary.
Looking back at the rural areas in the past, there was no medical insurance system at that time, and many families often dragged a minor illness into a major illness after they fell ill. The cost of serious illness is very high, and some families can only give up after they can't afford it. This phenomenon was common in the past.
Nowadays, China has established a unified medical insurance system for urban and rural areas, and has continuously increased the reimbursement ratio and optimized the reimbursement project, so in this era of fast pace of life and great pressure, it is necessary to pay medical insurance for both urban residents and rural villagers.
And I say this for two reasons.
1. Paying medical insurance can avoid the situation that the whole family returns to poverty due to illness. For every family;No one wants to get sick or get seriously ill, but, people!No one can predict the future risks, and there is no guarantee that they will be healthy, and some diseases often need to be hospitalized when they come suddenly, so in such a situation, in order to avoid falling back into poverty due to illness, it is necessary for everyone to buy a guarantee for their families and themselves.
2. Paying medical insurance can reduce some of the costs of seeing a doctor and taking medicine. Although it is said that the living standard of people is higher nowadays, the elderly and children in the family will catch a cold or fever every year. Although it doesn't cost much to say that minor illness** doesn't cost much, if you pay medical insurance, you can also reduce some fees for taking medicine in the outpatient clinic every year. Hospitalization can also be reimbursed directly, reducing some of the burden of seeing a doctor. Therefore, taking these factors together, individuals also feel the need to pay for medical insurance.
Okay, that's all I want to remind you of, what do you think about this?What do you think?Let's talk about it.
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