Fingertips.
The 2024 centralized payment period for resident medical insurance has been extended to March 31. On February 21, the Shenyang Municipal Medical Insurance Bureau reminded insured residents that there is no waiting period for treatment for insurance payment before March 31, and they will enjoy resident medical insurance treatment from January 1.
According to the Municipal Medical Insurance Bureau, every year at this time when it comes to paying residents' medical premiums, some friends who are hovering on the edge of "insurance" and "non-insurance" will always have this or that question, should they pay? Is it worth paying? Is it okay not to pay? Is it okay to enroll in insurance if you are sick? In response to such doubts, the Municipal Medical Insurance Bureau made a specific analysis for the insured residents:
(1) If I am strong and basically not sick, can I not participate in the insurance? No!
As we all know, no one can guarantee that people will not get sick if they eat whole grains. And the causes of many diseases are uncertain, such as environment, habits, weather, genetics, and so on. In particular, some people have irregular lifestyles and have hobbies such as smoking and drinking. It's not simply that you can be strong and have good resistance, and you won't get sick. On the contrary, if the pillar of the family falls, not only will the family lose its main economic income, but it will also cost a lot of savings to heal. Instead of paying the full amount of your own pocket and spending all your savings when you get sick, it is better to participate in medical insurance and let medical insurance share the cost of medical treatment with you, so that you and your family do not have to bear too much financial pressure.
There are also some people who have more or less such a mentality: "It's not too late to wait until I'm sick to enroll in insurance, otherwise I will feel lost", but it turns out that this kind of thinking is not advisable! In order to maintain the sustainable development of the medical insurance industry and the fairness of the medical insurance treatment enjoyed by the majority of the insured people, there must be a 3-month waiting period for adult residents who do not pay during the centralized payment period, that is to say, those who pay after April 1 this year will have to wait until 3 months before they can enjoy the medical insurance treatment. Therefore, we need to remind everyone here that in order not to affect your medical insurance benefits, in order to be able to use medical insurance when you are sick, please pay the medical insurance fees as soon as possible and in time according to the notice requirements of the medical insurance department.
(2) The state subsidy exceeds the individual payment standard, and the resident medical insurance is the "best choice"! Of course!
Medical insurance for urban and rural residents is not for profit, but is a policy that benefits the people. Compared with individual contributions, in the financing structure of the entire residents' medical insurance, the first subsidy accounts for the majority, and the subsidy standard will be gradually increased every year, which basically provokes the burden of medical security. The city's ** subsidy for insured persons has been increased to 640 yuan, and individual students only need to pay 260 yuan, and other residents pay 450 yuan.
Each of us is facing uncertain disease risks, and participating in resident medical insurance is nothing more than buying a peace of mind for ourselves and our families.
The insured person can enjoy the dual protection of basic medical insurance and serious illness insurance by paying a money, and the serious illness insurance premium is paid by the resident medical insurance**, and the insured person does not need to pay separately, and there is no upper limit for the reimbursement of serious illness insurance.
After paying the medical insurance, in addition to the hospitalization expenses can be reimbursed, there are also emergency and critical care outpatient (emergency) rescue, outpatient chronic disease, outpatient co-ordination, and outpatient medication for hypertension and diabetes, and these outpatient expenses can also be reimbursed.
A table has been made for the insured residents, and the residents can take a closer look: (illustration).
It can be seen that participating in medical insurance is to see a doctor when you are sick, and to have peace of mind when you are not sick. Don't feel that you have paid the fee but did not get sick and suffered, once you get sick, you can't do it without medical insurance. For the general public, it is the best choice to participate in resident medical insurance in a timely manner.
Fingertip client, Shen Baoquan ** reporter Ding Ning