Will the medical insurance treatment be affected if the medical insurance personal account is comple

Medical insurance is paid by each of us, and those who have a job pay the employee medical insurance on a monthly basis, while those who do not have a job or the unit does not pay social security pay the medical insurance for urban and rural residents on an annual basis. No matter which way you purchase medical insurance, you can enjoy the treatment of hospitalization reimbursement in the end. However, there has been a new adjustment to medical insurance recently, and the National Medical Security Administration and the Ministry of Finance issued the "Notice on Doing a Good Job in Basic Medical Security for Urban and Rural Residents in 2019", which requires that the implementation of individual or family accounts should be cancelled by the end of 2020, and the transition to outpatient co-ordination will be smooth; Where an individual or family account has been cancelled, it must not be restored or set in disguise.

After the release of this document, the most concerned question for the people is whether it will affect the medical insurance treatment after the complete cancellation of the medical insurance personal account?

First, we need to make it clear that not all medical insurance personal accounts have to be cancelled. The notice issued by the National Medical Security Administration is specifically for urban and rural residents' medical insurance, which means that the personal account of the employee's medical insurance will not be cleared, and can still be used to pay for medical expenses or buy drugs at designated pharmacies.

Second, why should I cancel my personal account? Because there are three obvious defects in the establishment of a medical insurance personal account, one is that the amount is small, only about 200 yuan in the personal account every year, and it is difficult to play the role of outpatient protection for some major diseases with high costs; Second, the mutual aid ability is poor, which is limited to personal or family use, which greatly weakens the overall protection ability of medical insurance; Third, it is easy to cause the abuse of medical insurance cards, and the money in personal medical insurance accounts was originally used to buy medicine or see a doctor to save lives, but in many small cities, medical insurance cards are used as shopping cards to buy health care products, cosmetics, etc. in pharmacies, which violates the original intention of setting up personal accounts for medical insurance cards. So, cancellation is imperative.

Clause. 3. After canceling the personal account, the balance in the medical insurance card will be cleared? Has the medical insurance benefits enjoyed by ordinary people also declined?

In fact, this is not the case, but the individual payment part and the ** subsidy part are all included in the overall account, and everyone can be reimbursed according to the proportion whether it is inpatient or outpatient in the future. Moreover, before the cancellation of the medical insurance personal account, although hospitalization can be reimbursed, the cost of outpatient treatment is "all self-paying". Therefore, although the personal account of medical insurance is gone, the value of medical insurance is truly reflected, and the medical insurance treatment enjoyed by ordinary people is better than before.

The treatment will not be affected, no matter what kind of insurance you buy, it will eventually be reimbursed, and the medical insurance card will still buy medicine or pay medical expenses at the designated pharmacy. It won't make a difference.

No, the cancelled personal account is mainly for resident medical insurance, and does not involve employee medical insurance. Although the personal account is cancelled, the balance of the health insurance card still exists. Individual payments and subsidies will be uniformly credited to the overall account.

The benefits of medical insurance will not be affected. It's just that the part of the individual payment and the part of the ** subsidy are all included in the overall account, and everyone can be reimbursed proportionally whether they are hospitalized or outpatient.

The National Health Insurance Administration made it clear that the cancellation of personal accounts is aimed at medical insurance for urban and rural residents, and does not involve medical insurance for urban employees. The medical insurance for urban and rural residents is the integration of the original medical insurance for urban residents and the new rural cooperative medical care, and the province has also completed the integration.

China's medical insurance is composed of two parts: personal account and overall planning, of which the funds in the personal account are used to pay for small outpatient expenses with the premiums paid by the insured. In practice, it is found that personal accounts have disadvantages such as small quota, insufficient protection, poor mutual aid ability, and easy to induce abuse.

Does the cancellation of personal accounts mean that the medical insurance benefits of residents will be reduced? In this regard, the National Health Insurance Bureau explained: "After the cancellation of personal accounts, the outpatient minor illness medical expenses will be included in the scope of overall payment, and the outpatient medical expenses of common diseases and frequent diseases that occur in primary medical institutions can be reimbursed, with a proportion of about 50%; For some outpatient medical expenses for chronic diseases and special diseases that are mainly outpatient and have high costs, they are also included in the scope of overall payment, and corresponding management and payment methods are formulated with reference to hospitalization.

In other words, the medical insurance treatment will not be reduced, and some outpatient chronic diseases with higher annual costs are reimbursed together with hospitalization, and the reimbursement ratio is higher than that of outpatient treatment.

What does it mean to cancel your personal health insurance account.

At present, most of the urban and rural residents do not have a medical insurance personal account, and only a few areas of the resident medical insurance still retain the medical insurance personal (family) account, in order to realize the transition of the medical insurance personal (family) account to the outpatient co-ordination, so it is necessary to cancel the remaining medical insurance personal account.

What will be the impact of the cancellation of the personal account of the resident medical insurance?

After the cancellation of the personal account of the resident medical insurance, the insured person cannot use the balance of the medical insurance card to pay for medical expenses, nor can he use the medical insurance card to pay for drugs at pharmacies. However, this will not reduce the reimbursement treatment of resident medical insurance. After the completion of outpatient co-ordination, outpatient minor illness medical expenses will be included in the scope of payment of co-ordination**, and outpatient expenses for some common diseases and frequent diseases can be reimbursed by resident medical insurance, and the reimbursement ratio will be about 50%.

What should I do if the balance of the medical insurance personal account is cancelled.

If there is a balance in the personal medical insurance account, the personal account will not be cleared after the cancellation of the resident medical insurance personal account. It is understood that after the cancellation, the balance of the personal account will be used to offset the cost of medical insurance premiums.

That's all for the question of what does the cancellation of the medical insurance personal account mean, I hope it will help you. Although the personal account of resident medical insurance will be cancelled, the treatment of medical insurance reimbursement will not be reduced, and the treatment may even be an increase.

The cancellation of the medical insurance personal account means that your medical insurance payment will stop, if you get sick and see a doctor in the future, you will not enjoy the treatment of medical insurance, and it is best not to stop paying medical insurance for more than four months, if you pay medical insurance for more than four months, you need to start from scratch.

If the medical insurance personal account is cancelled, the insured can no longer use the balance of the medical insurance card to pay for medical expenses, nor can he use the medical insurance card to pay for drugs at the pharmacy. However, this will not reduce the reimbursement treatment of resident medical insurance. For some common diseases, outpatient expenses can be reimbursed by resident medical insurance, and the reimbursement ratio will be about 50%.

The cancellation of the medical insurance personal account will mean that people will not be able to use the medical insurance card for personal medical treatment in the future, because the medical insurance card account has been canceled, and the individual will not have a medical insurance account, so the personal reimbursement of medical insurance expenses will be reduced compared with the past.

The cancellation of the medical insurance personal account means that there is no need to pay medical insurance in the future, so there is a work unit. The employer will no longer pay you medical insurance, so you will lose a large part of your salary.

Hello! The cancellation of the medical insurance personal account refers to the cancellation of the medical insurance personal account in the medical insurance of urban and rural residents who retain the medical insurance personal account, so as to realize the transition from the medical insurance personal account to the outpatient co-ordination. After the cancellation of the medical insurance personal account, the insured person will not have the balance of the medical insurance card to pay for medical expenses, nor can he use the medical insurance card to buy drugs at the pharmacy.

However, after the completion of outpatient co-ordination, outpatient minor illness medical expenses can be paid using co-ordination**, and the scope and proportion of reimbursement will be larger.

The cancellation of personal accounts this time is mainly for residents' medical insurance, and does not include employees' medical insurance.

2. The abolition of residents' personal medical insurance accounts is mainly conducive to the protection of outpatient medical treatment and the unified system of medical insurance in the future. In fact, from hospitalization to outpatient, the beginning of the implementation of resident medical insurance is the overall planning of outpatient services, and there is no such thing as a personal account; It's just that the department's NCMS still has some personal accounts, and this time it is to be able to integrate and carry out unified supervision.

3. For some claims that canceling the named medical insurance personal account will affect the medical insurance treatment, you must not believe it. You must know that the cancellation has not changed the policy of buying drugs in pharmacies, and some non-prescription types can still be purchased directly, and prescription types still need to be purchased according to the prescription list. Not only has the medical insurance treatment not been reduced, but even the named protection ability has become more perfect, and its treatment and benefits will become better and better; Even in the reimbursement convenience will be more convenient and faster.

Urban and rural residents do not have medical insurance personal accounts, and only a few areas of resident medical insurance still retain medical insurance personal (family) accounts, in order to realize the transition from medical insurance personal (family) accounts to outpatient co-ordination

The cancellation of the personal account of medical insurance means that each of us is included in the medical insurance of the whole society, and we are no longer able to buy drugs by ourselves.

If your personal account is cancelled, you will not be able to enjoy medical insurance, which will bring you any reimbursement, so Li Da said that you have broken your foot, and your medical insurance will be zero in the future. Therefore, you can no longer enjoy the reimbursement brought by medical insurance.

According to the "Notice on Doing a Good Job in Basic Medical Security for Urban and Rural Residents in 2019" issued by the National Health Insurance Administration, it is mentioned that "the implementation of individual (family) accounts will be cancelled before the end of 2020, and the transition to outpatient co-ordination will be smooth. ”

According to the Notice of the National Health Insurance Administration on Doing a Good Job in Basic Medical Security for Urban and Rural Residents in 2019, the personal medical insurance accounts of urban and rural residents should be cancelled by the end of 2020, and it is required that they should not be restored in disguise.

In fact, the personal accounts to be cancelled in the notice are the New Rural Cooperative Medical System and urban residents' medical insurance accounts, while the personal accounts of employees' medical insurance will not be affected. The state should concentrate all medical security expenses, increase the reimbursement ratio of medical insurance, and increase the reimbursement ratio of medical insurance for serious illnesses from a minimum of 50% to a minimum of 60%.

The personal account of the basic medical insurance for employees is guaranteed in accordance with our national social insurance law and will not be cancelled. All the part paid by the individual employees of the enterprise goes into the personal account, and the part paid by the enterprise goes into the personal account. After retirement, if the basic medical insurance payment reaches the corresponding number of years, you can continue to enjoy the basic medical insurance treatment without payment.

I think that the cancellation of the medical insurance personal account will mean that people will not be able to use the medical insurance card in the future, because the medical insurance card account has been canceled, and the individual will not have a medical insurance account, so the personal reimbursement of medical insurance expenses will be reduced compared with the past.

It means that the balance of the personal account is gone, but the overall account is fully funded, and the proportion of medical reimbursement has increased.

The cancellation of the medical insurance personal account means that the annual payment of medical insurance directly goes into the overall planning. The personal portion is returned to the individual. It is no longer used for personal medical use. When you are hospitalized, you will be reimbursed for part of your hospitalization with your medical insurance card.

The personal (family) account of urban and rural residents' medical insurance is mainly used to pay for the medical expenses incurred by the insured in the outpatient clinic, and has played a positive role in cultivating the awareness of individual insurance, promoting individual insurance payment, and rapidly expanding the coverage of insurance in the early stage of the system.

What will be the impact of the cancellation on our future health insurance benefits? The National Health Insurance Administration said that the cancellation of individual (family) accounts for urban and rural residents' medical insurance will not reduce the medical insurance benefits of residents, and by promoting outpatient co-ordination, it will improve the mutual aid ability of urban and rural residents' medical insurance and enhance the mutual aid effect. After the outpatient co-ordination, the outpatient minor illness medical expenses can be included in the overall payment scope, and the outpatient medical expenses for common diseases and frequent diseases can be reimbursed, with a proportion of about 50%.

Hello! Of course, the cancellation of personal account names means that you do not participate in the work, and you still have to cancel these accounts.

Cancellation of your personal health insurance account means that you will see a doctor again in the future. It's up to you to bear it. That part of yours. The reimbursement country will not be responsible.

It will mean that people will not be able to use their medical insurance cards for medical treatment, because the medical insurance card account has been canceled, and individuals will not have medical insurance accounts, so personal reimbursement of medical insurance expenses will be reduced compared to the past.

If your personal health insurance account is cancelled, it means that your health insurance is no longer covered. This is a serious problem. You need to pay attention.

1.Urban and rural residents only pay two or three hundred yuan a year for medical insurance, and only a few dozen yuan a year in personal accounts, so all existence is of little significance.

2.In many places, the money from the medical insurance card is used to buy daily necessities, or even cash out, so that the people's life-saving money is lost in vain, making the already tight medical insurance funds even more stretched.

3.The funds in the personal account of medical insurance have a scale of hundreds of billions, and most residents usually do not use them, and a large amount of capital precipitation causes great waste. At the beginning of the start of the medical insurance for urban and rural residents, some places set up personal accounts in order to complete the insurance rate, and the earliest urban and rural residents paid 10 yuan a year for medical insurance, and there were 10 yuan in the personal account, which was equivalent to giving free medical insurance to urban and rural residents, and it played a certain role in promoting the rapid development of urban and rural residents' medical insurance in the early years.

But up to now, the personal account is no longer suitable for the requirements of the times, the amount of the personal account is too small, the management cost is too high, and this is a waste of the first and has not played an effective role, and the state requires the cancellation of the personal account by the end of 2020.