At present, most patients who seek medical treatment across provinces can only go back to the insured place for reimbursement, which not only requires money, but also involves complicated procedures, and often cannot be reimbursed for various reasons, which makes it difficult for many floating population to "guarantee" and "report". In this sense, it is naturally a good thing that farmers participating in nine provinces and cities can realize instant reimbursement for medical treatment in different places. However, there seems to be a certain distance from the imaginary reimbursement for medical treatment in different places. First, inter-provincial instant reimbursement is limited to nine provinces and cities, and beyond these nine provinces and cities, it is still impossible to reimburse in different places; Secondly, the reimbursement target is limited to farmers who participate in the new rural cooperative medical system. In other words, urban workers and urban residents, who account for the main body of medical insurance, cannot be reimbursed in different places between nine provinces and cities, which undoubtedly makes people a little disappointed with this good news.
The next question is, since participating farmers in nine provinces and cities can realize instant reimbursement for medical treatment in different places, when can they break through nine provinces and cities and expand to the whole country? A further question is, since urban medical insurance has been reimbursed immediately in eight provinces and cities, when can it be extended to the whole country?
The data shows that the floating population in China has reached 236 million in 20 12, of which the floating population across provinces accounts for 67%. A big practical problem before them is whether medical treatment in different places can be reimbursed by medical insurance. In theory, as long as you participate in medical insurance, you should be reimbursed immediately no matter where you go to see a doctor. However, in reality, due to the inconsistency of medical insurance policies in different places, it is difficult to achieve reimbursement in different places.
Where is the "card" for direct reimbursement for cross-provincial medical treatment? From a technical point of view, the most direct reason is that the informatization construction is lagging behind and there is no provincial settlement center. But the technical reasons are easy to solve. Today, with the development of internet technology, this is no longer a problem. What's more, the interconnection of nine provincial platforms has shown that medical insurance information can be fully enjoyed. Actually, the problem is obvious. The conflict of interest between provinces is difficult to solve.
Figuratively speaking, the insured residents' money is "from left pocket to right pocket" when they see a doctor locally, and "putting money into other people's pockets" when they see a doctor across provinces. In view of the trend of population movement, most of them migrate from underdeveloped areas to developed areas, and the implementation of reimbursement for medical treatment in different places directly impacts the latter's medical insurance fund. Due to the high base of medical insurance payment and the high proportion of return in economically developed areas, from the government's point of view, developed areas feel that they are "spending money to buy losses", so they take a negative attitude towards this policy.
Therefore, in order to promote cross-provincial reimbursement for medical treatment in different places, on the one hand, we should improve the level of medical insurance co-ordination, realize provincial co-ordination in all provinces, and then gradually realize national unity, and finally break the localized management of medical insurance system. Because only by managing the national medical insurance fund as a whole can we balance the medical insurance gap in various regions conveniently through transfer payment. In this regard, it was not until 20 15 that the immediate reimbursement for medical treatment in different places in the province was fully realized, which was obviously too slow. I don't know if this progress will wait until the Year of the Monkey. The Social Insurance Law clearly stipulates that the social insurance administrative department and the health administrative department should establish a settlement system for medical expenses in different places to facilitate the insured to enjoy basic medical insurance benefits. I hope this provision will not become a dead letter.
On the other hand, behind the reimbursement for medical treatment in different provinces, there is also the unfair appeal of the "multi-track system" of medical insurance. It is still a question mark when public medical care, urban workers' medical insurance, urban residents' medical insurance and the new rural cooperative medical system will be merged into a unified medical insurance system.