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Hehe, in fact, the doctor doesn't understand the NCMS policy, so what is the explanation for you, because the doctors in Zhengzhou are in contact with the NCMS disease number in the province, and the province's regulations on external injuries are different, so the explanation is arbitrary and misleading to patients.
First of all, the reimbursement ratio for accidental injuries is different from the reimbursement ratio for common diseases, which is generally 60% at the township level, 50% at the county level, and 40% at the provincial and municipal levels outside the county (according to the proportion stipulated by the local NCMS), so you cannot be reimbursed at 60%;
Secondly, from June 1, Henan Province has re-introduced the step-by-step referral, and the common diseases hospitalized outside the county must be transferred step-by-step, that is, the township level can only be transferred to the county level, and the county level can be transferred to the provincial and municipal medical institutions outside the county, and the reimbursement ratio is not reduced in accordance with the normal referral procedures. In this case, the reimbursement ratio will be reduced by 10%, but if the patient is mentally ill or urgently hospitalized, there is no need to open a paper referral, and the hospital will call the NCMS to the NCMS in the county and directly implement the online referral, and the reimbursement ratio will not be reduced.
Accidental injuries need to be investigated for the cause of the injury, and it is generally impossible to implement immediate settlement and reimbursement (that is, direct reimbursement through online referral in the hospital), and within 3 days after hospitalization, it is necessary to contact the county NCMS in time for registration and filing, and the reimbursement information of the hospital will be returned to the county NCMS to fill in the accidental injury approval form after investigation! The hospital doesn't need to register anything, just take back the corresponding procedures, that is, copies of medical records, summary lists, hospitalization bills, and discharge certificates!
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There are two questions:
1. "Look at the online introduction and say that it is the lowest 65%".
On which website is it authoritative? Is that the reimbursement rate for the location of your hukou? Is it the reimbursement ratio of your local county-level hospital, or the reimbursement ratio of medical treatment in a different place (generally referring to a hospital outside the county level)?
Due to the different economic levels and NCMS payment in different places, the reimbursement ratio is also different in different places. So, don't hearsay.
2. "The friend who asked said that if you can report at the River Medical University (Direct Supplement Hospital) and choose to go home to report, the local government refuses to reimburse."
Don't know what your friend's career is?
If you are engaged in NCMS reimbursement, then you can ask him directly about the reimbursement. If he is engaged in medical insurance or other commercial insurance industries, you can use his words as a reference. However, for professional questions, it is recommended that you ask the NCMS management department in your hometown.
NCMS is different from medical insurance and commercial insurance, and there are some basic policies that are different.
In the NCMS policy, the reimbursement of trauma such as accidental injuries needs to be reviewed, and the reimbursement process is more cumbersome, unlike other diseases. Therefore, the reimbursement of trauma should be patient and not impatient.
There are two things that need to be done by you:
1. Ask the doctor or the hospital reimbursement department in the hospital where you live to see if you can be reimbursed directly in the hospital. One thing is that no matter where you are reimbursed, if you are hospitalized once, NCMS will only reimburse you once, and will not reimburse you again in two places.
2. Go back to your hometown, or ask your family to consult the department in charge of reimbursement in your hometown. Only theirs is authoritative and will also tell you what to do to be reimbursed, as well as what needs to be reimbursed in **.
FYI.
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If you have questions about social security and medical insurance, you can log in to the local social security bureau and health bureau, or go to the social security bureau and health bureau in person to understand and consult relevant policies, regulations, knowledge and problems.
The responses there should be the most authoritative, comprehensive, and accurate.
Good luck!
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Legal analysis: The full name of NCMS is "New Rural Cooperative Medical Care", which is a reimbursement procedure composed of farmers paying a small amount of money per person every year and the state contributing the lion's share. You must have a rural hukou to participate in the NCMS, and the money paid by each person every year is only in the current year, and you need to pay again in the next year to enjoy the NCMS.
Legal basis: Social Insurance Law of the People's Republic of China
Chapter III Basic Medical Insurance.
Article 24: The State is to establish and improve a new type of rural cooperative medical system. The management measures for the new type of rural cooperative medical filial piety town shall be stipulated by ***.
Article 25 The State shall establish and improve the basic medical insurance system for urban residents. The basic medical insurance for urban residents implements a combination of individual payment and subsidy. The part of the personal contributions required by those who enjoy the minimum living security, the disabled who have lost the ability to work, the elderly over the age of 60 and minors from low-income families will be subsidized by **.
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I believe that many people have heard of the new type of rural cooperative medical care, but many people do not know much about it. The new rural cooperative medical information consultation** is 12333, of course, you can also inquire with the hospital staff when you buy medicines at designated pharmacies, pay outpatient expenses and hospitalization expenses, and reimburse local medical insurance expenses.
How to inquire about the payment status of NCMS:
2. The parties concerned should bring their valid identity documents and social security cards to the local NCMS office and find a worker to accompany the staff for inquiry;
3. The parties concerned log on to the official website of the local social security bureau to inquire about the payment of NCMS.
The difference between NCMS and social security for urban and rural residents:
1. The crowd is different.
The medical insurance for urban residents mainly covers residents with urban hukou, and the NCMS mainly covers residents with rural hukou.
2. The management department is different.
Medical insurance for urban residents is mainly managed by the human resources and social security departments, and most places in NCMS are managed by the health departments.
3. The purchase method is different.
The new rural cooperative medical care is the purchase of rural household registration, and the purchase of domestic medical insurance is the purchase of non-agricultural household registration.
4. The reimbursement ratio is different.
The reimbursement rate for urban residents' medical insurance is 85%, and the reimbursement rate for NCMS varies from 10% to 80% depending on the level of hospital.
5. The reimbursement of drugs is different.
The list of drugs that can be reimbursed by NCMS is less than that of urban medical insurance, and the reimbursement ratio of NCMS in township hospitals is higher, with the average reimbursement ratio in municipal hospitals being 10%-20% lower than that of urban medical insurance, and the highest back cover is also less than that of urban medical insurance.
6. The focus of protection treatment is different.
The medical insurance for urban residents mainly covers both inpatient and outpatient serious illnesses and ordinary outpatient services, so the treatment of inpatient and outpatient serious illnesses is higher than that of NCMS. In addition, the outpatient treatment level of NCMS is generally higher than that of urban residents' medical insurance. <>
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The meaning of NCMS refers to the system of mutual medical assistance and mutual aid for farmers that is organized, guided and supported, voluntarily participated by farmers, and then financed by individuals, collectives and multiple parties. NCMS adopts the method of individual payment, collective support and subsidy to raise funds, and is a medical security system of mutual assistance and mutual aid created by China's agricultural hukou people, which can mainly ensure that farmers can obtain basic health services and alleviate farmers' poverty and return to poverty due to illness.
Extended Materials: a. Employee medical insurance is a welfare system that has been given secretly in social security and is implemented to protect the rights and interests of employees.
The medical insurance is paid on a monthly basis, and the employer Cha Feng and the employee bear a certain amount of insurance expenses respectively to solve the problem of medical treatment for the employee. The medical insurance account is divided into a co-ordinated account and an individual account, and 2% of the individual medical insurance payment and 30% of the unit payment are credited to the personal account. The NCMS is a policy implemented by the state to solve the problem of expensive and difficult medical treatment in rural areas.
The money in the personal account of the medical insurance can be used freely, but the NCMS is not.
Two. Employee medical insurance can be used for reimbursement of expenses, such as hospital treatment, pharmacy medicine, hospitalization, etc.; In most areas, NCMS can only be reimbursed when hospitalized, and only a small number of areas can also be reimbursed through NCMS when they see a doctor.
Three. Whether it is employee medical insurance or NCMS, it can be reimbursed at the time of hospitalization. The reimbursement ratio of employee medical insurance is generally 70%-90%, while the reimbursement ratio of NCMS is about 50-70%.
The specific reimbursement ratio will vary from hospital to hospital, but in general, the reimbursement ratio of employee medical insurance is relatively high.
Four. The medical insurance for employees is paid on a monthly basis, and the rent per mu will not be able to be reimbursed from the next month after the payment is broken. Men who have been insured for 25 years and women who have been insured for 20 years can enjoy lifelong medical insurance benefits after retirement.
NCMS is paid annually to ensure medical treatment in the next year. It should be noted that even if you pay both employee medical insurance and NCMS, you can basically only choose one type of medical insurance for reimbursement when you seek medical treatment. On the whole, although the cost of employee medical insurance is relatively high, the overall welfare is also more perfect, if you are paying two types of medical insurance at the same time, it is best to choose employee medical insurance and stop NCMS.
However, if your job is unstable, you can still choose to buy NCMS to give yourself a guarantee.
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Hello, dear, the full name of NCMS is the new type of rural cooperative medical care, which refers to the system of mutual medical assistance and mutual aid for farmers that farmers voluntarily participate in and mainly focus on the overall planning of serious diseases. The state has established and improved the new rural cooperative medical system of Hengduanqiao, and the medical expenses that meet the drug list of basic medical insurance can be paid from the basic medical insurance ** in accordance with national regulations. Legal basis:
Article 24 of the Social Insurance Law of the People's Republic of China provides that the State shall establish and improve a new type of rural cooperative medical system. The management measures for the new type of rural cooperative medical care shall be stipulated by ***. Article 28 of the Social Insurance Law of the People's Republic of China conforms to the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards, as well as emergency and rescue medical expenses, in accordance with national regulations from the basic medical insurance **.
Article 29 of the Social Insurance Law of the People's Republic of China The part of the medical expenses of the insured persons that should be paid by the basic medical insurance shall be directly settled by the social insurance agency and the medical institutions and drug business units. The administrative department of social insurance and the administrative department of health shall establish a system for the settlement of medical expenses for medical treatment in other places to facilitate the insured persons to enjoy basic medical insurance benefits.
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