Medical reform of social security card

Integration of urban and rural medical insurance

In fact, this is a national medical reform measure, which brings the new rural cooperative medical system into the scope of urban residents' medical insurance, called urban and rural residents' medical insurance, and realizes the integration of urban and rural medical insurance.

Previous problems

In the past, the new rural cooperative medical system paid less and the reimbursement ratio was small. Many medical expenses are not included in the scope of reimbursement. Later, farmers paid more and more money every year, and the reimbursement efforts were correspondingly larger and larger, but compared with urban residents' medical insurance and urban workers' medical insurance, the reimbursement efforts were still very different.

After the integration of urban and rural medical insurance

Now, after the integration of urban and rural medical insurance, the gap between urban and rural medical care has narrowed, and the problem of farmers' difficulty in seeing a doctor has been better solved. In other words, the new rural cooperative medical system has been cancelled. In the future, farmers will use urban and rural medical insurance, and cooperative medical care has been cancelled. In the future, farmers will use the new social security card to see a doctor.

So, what convenience will the new social security card bring to everyone? What's the new use?

The new card can enjoy four discounts.

First, one-card settlement is more convenient, and farmers do not need to pay medical expenses in advance.

After the integration of medical insurance, rural cooperative medical care will be completely replaced by social security cards, which can be settled as conveniently as the medical insurance cards of urban workers and residents. Moreover, this card also has the function of a bank card and can be used as a savings card. The personal information on the card is clear and can also be used as an "ID card". The most important change is that after the social security card is replaced, farmers can settle their hospitalization and drug purchase with one card. Previously, farmers needed to pay in advance. After changing the card, they no longer need to pay for it themselves. After the expenses are verified after discharge, the settlement is clear and more convenient.

Second, the proportion of reimbursement is large.

Compared with urban residents' medical insurance, the reimbursement rate of the new rural cooperative medical system is still relatively small, and farmers can enjoy the same reimbursement rate as urban residents after medical books are replaced by social security cards. For farmers, in addition, farmers are not restricted from participating in insurance in different places in the future, and they do not have to go back to their hometown to pay for the new rural cooperative medical system.

Taking Beijing as an example, after the unification of urban and rural medical care in Beijing, the highest reimbursement rate of primary clinics reached 55%, 5 percentage points higher than the original, and the annual cap line of outpatient clinics was unified to 3,000 yuan; The highest reimbursement rate for hospitalization reached 80%, which was 5- 10 percentage point higher than the original, and the annual hospitalization ceiling line was uniformly raised to 200,000 yuan.

Third, it is more convenient to seek medical treatment in different places without going back and forth.

Before the new rural cooperative medical system, it was very troublesome for farmers to seek medical treatment in different places. If you don't go to a designated medical institution and go to a big city for medical treatment, farmers have to go to their own county hospitals to get a referral certificate. After the completion of medical treatment in different places, they have to pay all the expenses first, and then go back to the local social insurance institution with the list, which is very troublesome. Now, after replacing it with a social security card, many procedures for medical treatment in different places have been simplified, making it more convenient to see a doctor.

Fourth, enjoy the same medical resources as people in the city.

Compared with cities, rural medical resources are far behind. However, after the integration of urban and rural medical insurance, that is, after the medical books and social security cards are combined into one, the status of urban and rural people is equal, and there is no distinction between urban and rural areas in hospitals. Farmers can also enjoy the same medical resources, the same reimbursement rate and the same medical procedures as people in the city.

According to Wei Jie, at present, 24 provinces and cities such as Beijing, Tianjin, Hebei, Inner Mongolia, Shanghai, Zhejiang, Jiangxi, Shandong, Henan, Hubei, Hunan, Guangdong, Guangxi, Chongqing and Yunnan will complete the formal merger of urban medical insurance and the new rural cooperative medical system in 20 18. Therefore, since there are so many benefits after switching to social security cards, farmers who have not yet applied for them should pay close attention, otherwise they will not be able to enjoy new medical benefits.