Why do residents need to use their social security cards to pay for medicine, while employees don't need to use their social security cards to pay for medicine?

Why do the insured members of residents' social security cards need to pay their own medical expenses? Why don't people who participate in employee social security need to pay for their own medicine? This problem does exist, because we all know that the medical insurance level of urban and rural residents is relatively low, which means that the annual medical insurance level of residents is around 200 to 300 yuan.

Therefore, our residents' medical insurance will not establish our personal medical insurance account. In other words, there is no balance in our personal medical insurance account, so if you want to go to a pharmacy to buy medicine or go to an outpatient clinic to settle accounts, you can only solve these problems in cash.

Our employee medical insurance is different, because the payment level of employee medical insurance itself is relatively high, which is obvious to those who participate in employee medical insurance in the form of flexible employment. Because the flexible employees don't have any enterprise unit to bear the corresponding payment ratio for him, it is said that all his payment standards are borne by himself, and the payment pressure is relatively high. As a flexible employee, you basically need to reach a low-end consumption level of 3,000 to 4,000 yuan per year. If you pay by advanced payment method, you need to pay at least 7000 to 8000 yuan!

Therefore, the payment level of employee medical insurance is much higher than that of urban and rural residents, so our employee medical insurance is to establish a personal medical insurance account. Therefore, employee medical insurance accounts will only be established by individuals who participate in employee medical insurance. They will participate in their own employee medical insurance according to a high-level payment ratio, that is, about 8%, and only establish the corresponding personal medical insurance account balance. Then the balance can be paid by going to a pharmacy to buy medicine or outpatient treatment, without cash.

Therefore, individuals who participate in medical insurance for urban and rural residents do not have personal medical insurance accounts, and obviously need to pay cash to solve the problems in the process of purchasing medicines. Of course, individuals who participate in employee medical insurance, because they have employee medical insurance accounts, can use the special balance in the personal medical insurance account instead of cash payment in the process of purchasing drugs. There is no problem in our drug purchase or outpatient medical settlement.

Only those who have no work units may not be able to participate in employee medical insurance, because individuals without work units can only participate in their own employee medical insurance in the form of flexible employment. Relatively speaking, the economic pressure is relatively great, because the cost of participating in employee medical insurance in the form of flexible employment is as high as 3,000 yuan to 8,000 yuan per year, so many people give up paying employee medical insurance. If you change to participate in urban and rural residents' medical insurance, you will not establish personal accounts for urban and rural residents' medical insurance, but the reimbursement ratio will remain unchanged, reaching 50%, and the employee medical insurance reimbursement ratio will reach about 70%.