Since June 5438+0, the medical insurance accounts of retirees have changed greatly. What is the standard of refund? Here comes the answer.

The time has reached 65438+2023 10 month. Near the Spring Festival of 2023, news about the great changes in the reimbursement of retirees' medical insurance accounts is flying all over the sky, and retirees have consulted. Since June 65438+2023 10, the retirees' medical insurance accounts have changed greatly. Is this true or not? According to what standard?

Have the medical insurance accounts of retirees in some places changed greatly?

As long as employees' basic medical insurance payment reaches the minimum payment period, retirees can enjoy medical insurance retirement and return the money to the medical insurance account of social security card on a monthly basis. For example, Hunan Province stipulates that employees with medical insurance coverage of 30 years for male employees and 25 years for female employees can enjoy medical insurance retirement and pay back money from their medical insurance accounts on a monthly basis if the actual payment period in the province is not less than 10 years. In addition, there is no uniform regulation on the minimum period of medical insurance for employees in China. In other words, 3 1 provinces and cities in China have different medical insurance policies, and most of them stipulate that the minimum age is 25 years for men and 20 years for women.

Therefore, for retirees, medical insurance account refund is a kind of welfare treatment, which is used for outpatient and pharmacy consumption of retirees to reduce the pressure brought by medical treatment. From 65438+ 10, the economic reform of medical insurance outpatient service for employees entered the "fast lane", in which the personal account of medical insurance ushered in great changes, including Jiangxi, Shandong, Jiangsu and other provinces. Among them, the key points of outpatient medical insurance reform are actually two points: one is to directly reduce the number of medical insurance accounts of working and retirees, and at the same time transfer the money from the reduced medical insurance accounts to the overall fund account, thus increasing the scale of the medical insurance overall fund, that is, the "big medical insurance" reform. In other words, most of the money from the personal medical insurance accounts of working and retirees is used for outpatient reimbursement of special groups, which reflects the difficulties of special chronic diseases and long-term chronic diseases. Second, the money in the medical insurance account can be used by family members, which can expand the use, prevent the account from cashback and the medical insurance account fund from sleeping, that is, the "small economy" reform, in other words, the money in the personal medical insurance account of working and retired people can be used by both individuals and family members, thus improving the use range of the money in the medical insurance account.

Therefore, the medical insurance account has indeed changed a lot, and the account refund has been greatly reduced, which is used for general outpatient reimbursement.

What is the standard for the refund of retirees' medical insurance accounts?

There is no uniform standard for the refund of medical insurance accounts for retirees. As far as the whole country is concerned, whether it is high or low depends mainly on the local medical insurance policy for employees and the local financial affordability. However, most reimbursement forms are paid to the personal account of social security card and medical insurance on a monthly basis. There are three ways to refund medical insurance: one is to link with my basic pension to reflect the incentive effect; Second, the fixed refund embodies fairness and justice; Third, it is linked to local social wages, reflecting the conventional growth mechanism. In other words, the refund of medical insurance accounts varies from place to place and from person to person.

From June 5438+ 10, 2023, according to what criteria is it appropriate to return retirees' medical insurance accounts? View the following areas:

Ningbo: The monthly entry standard of medical insurance personal account for retirees under 70 years old is 280 yuan, 12 months. The estimated entry amount in 2023 is 3,360 yuan, and after deducting 45 yuan, the entry amount is 33 15 yuan; The monthly entry standard of medical insurance personal account for retirees over 70 years old (inclusive) is 305 yuan, and the estimated entry amount in 2023 12 months is 3660 yuan, and the entry amount after deducting 45 yuan is 36 15 yuan.

Jiangxi Province: The basic pension for retirees is adjusted to a monthly 77 yuan.

Jiangsu Province: The transition period of/kloc-0 will be implemented from 2023, and retirees will be included on a monthly basis. The inclusion standard is the monthly average of the total personal accounts in 2022.

Anhui Province: From July, 2022, retirees will pay 70 yuan back monthly.

In short, since June 5438+ 10, great changes have taken place in the medical insurance accounts of retirees, and the reimbursement standards have all declined, and some places may have a large decline. In addition, the reimbursement standards for medical insurance vary from place to place, and not everyone can unify the same standard account amount. Considering that there are many opportunities for elderly outpatients to see a doctor and the pressure of medical expenses is great, it is suggested that the refund of retirees' medical insurance accounts should be linked to their age. The older you get, the more you return from the medical insurance account, which reflects the key concern for the elderly.