It's set! The health-care account will be canceled by the end of the year

According to the previous document issued by the National Health Insurance Administration and the Ministry of Finance (No. 30 of 2019), there will be more than 20 days for all individual (family) accounts to be cancelled.
then, which account does the individual (family) account that is cancelled here refer to? Can we still swipe our health insurance card when we go to the pharmacy to buy medicine in the future? Can health care products still be purchased by credit card? Only the individual (family) accounts of the new agricultural association will be abolished and the basic medical insurance system for urban and rural residents (hereinafter referred to as "residents' medical insurance") integrates the original basic medical insurance for urban residents (hereinafter referred to as "urban residents' medical insurance") and the new rural cooperative medical insurance (hereinafter referred to as the "new agricultural joint").
Among them, the new agricultural joint began in 2003, mainly to solve the medical costs of major diseases, in order to improve the enthusiasm of rural residents to participate in insurance, expand the coverage of the system, in the establishment of a comprehensive fund for major diseases at the same time, the establishment of individual (family) accounts, mainly used to pay for small outpatient expenses.
medical insurance for urban residents in The People's Bank of China has been in operation since 2007, and there is no personal account for outpatient co-ordination.
that in the process of advancing the new medical reform, it is proposed to carry out outpatient co-ordination in general, and the individual (family) accounts of new farmers' joints in various places will gradually transition to outpatient co-ordination.
, especially with the integration of health insurance for urban and rural residents in 2016, the system's affordability has been increasing, with most places eliminating new agricultural-owned individual (family) accounts, but some have retained this practice.
, that is, by the end of this year, it is not the resident health insurance personal account will be cancelled.
only the individual (family) accounts of the new farmers will be cancelled and the health insurance of urban workers will not be affected.
why the individual (family) account of residents' medical insurance is cancelled, there are some limitations, and with the improvement of residents' medical insurance financing standards and the enhancement of the ability to guarantee, its disadvantages gradually appear in practice.
is a small amount, inadequate protection, in fact, it is difficult to play the role of outpatient protection.
is the poor ability to help, limited to individual or family use, but also weaken the overall protection capacity of the Fund.
is easy to induce abuse.
The transition and transformation of residents' medical insurance outpatient insurance to outpatient co-ordination, compared with the original individual (family) account, can realize mutual assistance among all the insured, improve the ability of residents' medical insurance fund to help each other, conform to the basic principle of social insurance risk sharing, is conducive to providing more equitable medical insurance treatment for the insured, and provides a way to solve the above-mentioned disadvantages.
the cancellation of the account affect health care coverage? It is reported that according to the National Health Insurance Administration response, urban and rural residents of the individual (family) account cancellation will not reduce the treatment of residents of health insurance, but through the promotion of outpatient co-ordination to achieve alternative.
the promotion of outpatient co-ordination in various places, the medical expenses of outpatient minor illnesses can be included in the scope of co-ordination fund payment, the common diseases and frequent outpatient medical expenses of the masses in primary medical institutions can be reimbursed, the proportion of about 50%.
At the same time, in order to reduce the burden of outpatient major diseases of the insured people, for some chronic diseases and special diseases, such as outpatient chemotherapy for malignant tumors, uremia dialysis, insulin treatment for diabetic patients, etc., are also included in the scope of payment of the co-ordination fund, and the corresponding management and payment methods are formulated by reference to hospitalization. The scope of application of
personal accounts has been expanded, and on August 26th, the State Health Insurance Administration officially announced to the public the Guidance on establishing and improving the mechanism for the protection of basic medical insurance outpatients for employees (draft for comments), which is intended to provide that medical insurance for general outpatient expenses can be reimbursed, and the reimbursement ratio will start at 50%.
the same time, the method of crediting the personal account of the employee's medical insurance will also change, and the contribution portion of the medical insurance unit will no longer be included in the individual account, and all will be included in the co-ordination fund.
addition, the use of personal accounts has been expanded.
in an individual's account before the start of the year is part of basic health insurance, and the provisions of the basic health insurance fund are enforced.
originally could only pay for the medical expenses of the employees themselves, the reform will be extended to cover the expenses of the spouses, parents and children of the employees.
At the same time, in the past, only fixed-point medical institutions could be paid, and the reform will be extended to cover the cost of purchasing medicines, medical supplies and small medical devices in pharmacies, while also exploring individual contributions for spouses, parents and children to participate in basic medical insurance for urban and rural residents.
However, in addition to "regulating the scope of use of individual accounts", the Draft for Comments states: "Individual accounts shall not be used for other expenses such as public health expenses, physical fitness or health care consumption that are not covered by basic medical insurance."
", that is, fixed-point pharmacies through the health insurance personal account brush health care products, has been completely out of play.
you with all this confusion?