The field of medical insurance has ushered in two new changes, quietly changing our medical insurance accounts and reimbursement methods, have you noticed?
Today, we're going to talk about these two major changes and see how much they affect us.
1. Adjustment of personal account funds
According to the new plan, the funds in some personal accounts will be transferred to the overall account.
This means that a portion of the money in our personal account will be used for the medical protection of all insured people.
The purpose of this change is to improve the efficiency of the use of medical insurance** and allow limited medical insurance resources to play a greater role.
By incorporating part of the funds in the personal account into the overall planning, the mutual assistance ability of medical insurance** can be enhanced, so that more people can benefit from it.
Of course, this does not mean that the money in our personal account is just"Less"Finish. In fact, the increase in co-ordination** also means that we will receive more reimbursement support when faced with large medical expenses.
2. Outpatient expenses are included in the scope of medical insurance reimbursement
In the past, medical insurance reimbursement was mainly for hospitalization expenses, and outpatient expenses were rarely reimbursed.
But now, more and more regions are starting to include outpatient expenses in the scope of medical insurance reimbursement, making our medical insurance benefits more comprehensive.
Taking Beijing as an example, from August 2023, the general outpatient expenses of the employee medical insurance will be included in the scope of reimbursement.
The general outpatient medical expenses incurred by the insured in the designated medical institutions can be reimbursed according to the prescribed proportion.
The introduction of this policy allows us to enjoy the protection of medical insurance when we see a doctor on a daily basis, which greatly reduces our medical burden.
Of course, outpatient reimbursement policies will vary from region to region, with some regions having a certain limit on outpatient reimbursement and others setting different reimbursement ratios for different levels of medical institutions.
But in any case, the inclusion of outpatient expenses in the scope of medical insurance reimbursement is a policy that benefits the people, so that our medical insurance rights and interests have been further protected.
These two major changes reflect the great importance that the state attaches to medical security, and they are important achievements of the reform of the medical insurance system, making the use of our medical insurance accounts more flexible and making our medical security more comprehensive.
As insured, we should keep abreast of these new policies, make reasonable use of our medical insurance benefits, and let medical insurance become a solid backing for our healthy life.
We should also be aware that the improvement of the medical insurance system also requires the joint efforts of all sectors of society.
As individuals, we should enhance our awareness of medical insurance, pay medical insurance fees on time, and view and use medical resources rationally.
As an employer, it is necessary to effectively protect the medical insurance rights and interests of employees and pay medical insurance fees for employees in accordance with regulations.
As a medical institution, it is necessary to improve the quality of service, reasonably control medical costs, and maximize the effectiveness of medical insurance.
Medical insurance is not only a system, but also the common responsibility of the whole society, let us work together to protect this blue sky of medical insurance.
Let everyone have access to basic medical security, so that every family can have a healthy and happy future.