Individuals pay social security, medical insurance and money?

There is no money in the personal medical insurance card. The money in the medical insurance card is related to the type of medical insurance payment. The medical insurance for urban workers is paid by the unit, and the part paid by the individual is included in the personal account, and the part paid by the unit is included in the overall account.

Then if he participates in employee medical insurance as a flexible employee, he also has a personal account, so there is money in the medical insurance card. However, there is no personal account for urban and rural residents' medical insurance, and all the payment amount goes into the overall account, so there is no money in the medical insurance card.

First, is it cost-effective to participate in employee medical insurance or resident medical insurance?

(1) As far as the payment amount is concerned, employees' medical insurance is generally paid monthly, and flexible employees without employers have to pay several hundred yuan a month. According to the latest payment standard of residents' medical insurance, the minimum payment of residents' medical insurance for one year will cost less if they participate in 280 yuan.

(2) As far as the scope of reimbursement is concerned, the average employee can be reimbursed 70%, and retirees can be reimbursed more than 85%, while the reimbursement level of residents' medical insurance will only be higher in local first-class hospitals and township hospitals.

(3) Judging from the treatment enjoyed after retirement, employees can enjoy lifelong medical insurance reimbursement after paying medical insurance, and will return the money to the medical insurance account every month after retirement. Residents' medical insurance is not as good as employees' medical insurance for one year.

Second, what should I do if the medical insurance payment period is not enough when I retire?

(a) before retirement, most areas are allowed to be replenished in one lump sum, and medical insurance can be paid in one lump sum to the minimum payment period. If it is overdue, it is generally based on the average social wage of the previous year and multiplied by the payment ratio, and it will be missed for several months. Of course, there may be some differences in local policies.

(2) As long as the payment is completed, the outpatient medical expenses will be included in the medical insurance card every month after retirement, and you can also enjoy medical reimbursement.

(three) can also be transferred to urban and rural residents' medical insurance, if the age difference is too big, or feel uneconomical, can also be transferred to urban and rural residents' medical insurance. At present, the minimum annual cost of medical insurance for urban and rural residents is in 280 yuan (the minimum standard varies from place to place). You can enjoy a certain degree of reimbursement for seeing a doctor once a year, but the reimbursement ratio will be slightly lower than that of employee medical insurance.