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Health insurance has become a part of our daily lives. However, even though the reimbursement rate of medical insurance is as high as 80%, many people still say that they cannot afford to see a doctor. Why is that?Could it really be that the root cause of all this is really medical corruption?
The reimbursement rate for health insurance is as high as 80%, which is really attractive. However, we must be clear that this does not mean that 80% of your hospital expenses will be fully reimbursed. In fact, this 80% refers to 80% of medical expenses that can be reimbursed within the scope of medical insurance regulations.
This means that if your medical expenses are beyond the scope of medical insurance regulations, or your ** method does not meet the requirements of medical insurance, then you may not be able to enjoy this 80% reimbursement ratio.
In addition to the restrictions on the reimbursement ratio of medical insurance, the high level of drugs is also an important reason why people cannot afford to see a doctor. Although many medicines have been included in health insurance, many patients still struggle to afford the high cost of medical care due to the continuous availability of medicines.
In addition, although some drugs are included in the medical insurance list, patients still need to bear a certain amount of out-of-pocket expenses due to various reasons. All these factors have forced some patients to give up** or choose some unnecessary high-end** methods.
The problem of medical insurance reimbursement ratio and drug ** is actually related to the imperfection of the medical insurance catalog. The medical insurance catalogue is the basis of medical insurance reimbursement, but it still has many shortcomings and deficiencies due to various reasons.
For example, some expensive drugs and high-end drugs have not been included in the medical insurance catalog, while some low-cost and effective drugs have been excluded. In addition, the speed of updating and adjusting the medical insurance catalogue is far from keeping up with the rapid development of medical technology, which makes many new and effective methods unable to be included in the scope of medical insurance reimbursement in a timely manner.
In addition to the problems of medical insurance reimbursement ratio, drug ** and medical insurance catalog, the uneven distribution of medical resources is also an important reason why people look down on the disease. In some areas, patients often have to travel long distances and wait in long queues to get medical resources due to insufficient or uneven distribution of medical resources**. This not only brings great inconvenience and burden to patients, but also makes some patients miss the best opportunity.
At the same time, the uneven distribution of medical resources has also exacerbated the problem of medical corruption, and some hospitals and doctors often resort to improper means to obtain patients' medical expenses in order to seek personal gains, which also makes the burden of patients even heavier.
Although medical insurance has alleviated the financial burden of patients to a certain extent, many people are still facing the dilemma of looking down on the disease due to the restrictions on the reimbursement ratio of medical insurance, the high level of drugs, the imperfection of the medical insurance catalogue and the uneven distribution of medical resources.
In order to solve this problem, we need to further strengthen medical supervision, improve the medical insurance system, promote the balanced distribution of medical resources, and strengthen the construction of the medical integrity system. Only in this way can we truly achieve the goal of "health security for all".