In 2024, if the employee medical insurance is rebate, and the retiree is over 70 years old, will the rebate be over?
In 2024, the medical insurance for urban workers will be returned, and pensioners over 70 years old will not be able to get a higher return? In fact, the reason for this problem is that since April 2020, the reform of personal accounts for urban employees' medical insurance has greatly reduced medical insurance rebates. Especially for pensioners, health care spending has actually been greatly reduced. Before retirement, many elderly people who receive pensions can get 300 yuan or even more than 400 yuan per month for medical insurance returns. But after retirement, the monthly income is less than 100 yuan, and the difference between the two is clear at a glance.
Therefore, some retirees, especially some elderly retirees, hope that they are not over 70 years old, can get a slope rebate, just like every year in the process of adjusting the pension, there is a slope adjustment, for the elderly over 70 years old, you can add dozens of dollars. Isn't the same true for Medicare reimbursement?
Here, I can tell you very clearly that the vast majority of the country does not have discounts by age. In other words, it doesn't matter if you belong to the group of pensioners over 70 or under 70. There is the same discount standard for the elderly in all groups, and the vast majority of the country is discounted according to the per capita pension standard of 2% to 3%. So there is a problem: whether it is the amount of pension or the amount of pension, everyone uses the standard of per capita pension to return, so the area of the monthly medical insurance bill of the pension elderly is the same. The amount returned is almost exactly the same, and of course the overall amount is not particularly high.
Since the average pension in the country is about 3,500 yuan, even if we calculate the standard of 2% according to 3,500 yuan, the 3% standard of 70 yuan per month can generate 105 yuan per month, which is actually not a very high level. In this case, neither the age nor the pension itself is taken into account, and the adjustment is carried out according to the same standard across the board. That's why most pensioners aged 70 and over don't have access to a higher penalty rate.
However, there are a few regions where there may be some differences in the age of pensioners. For example, in Beijing, seniors under the age of 70 can receive a monthly rebate of 100 yuan per person, and seniors over the age of 70 can receive up to 110 yuan per person per month, while those under the age of 70 can only receive more than 10 yuan. In addition to Beijing, Shandong Province also has such an age difference. 100 yuan per month for people under 70 years old, and 125 yuan per month for people over 70 years old, a difference of about 25 yuan.
However, it should be noted that whether it is Beijing or Shandong, in these areas, although it is said that there is a gap in the preferential period. But the overall difference is not big, it is nothing more than 10 yuan, 25 yuan. This difference, for the vast majority of pension-receiving elderly people, is actually a drop in the bucket, and the impact will not be particularly large. Therefore, after the reform of the medical insurance law, the reimbursement of outpatient expenses, including the purchase of some drugs, can also be reimbursed to a large extent, easing the pressure of individual medical insurance payment, because half of them can be paid through co-ordination**.
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