There are two main reasons why farmers struggle with whether to pay for cooperative medical care. On the one hand, the payment standard continues to increase, from the initial few dozen yuan to 250 yuan. In 2021, the payment standard may be raised to 280 yuan/person. , a family of four will have to pay more than 1,000 yuan; on the other hand, the cooperative medical system mainly focuses on serious illness, and the purpose is to prevent farmers from becoming poor or returning to poverty due to illness. Some minor illnesses such as fever and colds do not reflect it. Advantages: If no one in the family is hospitalized for a serious illness, they cannot intuitively appreciate the benefits of cooperative medical care. Therefore, many young families think that money is wasted!
As a farmer, it is best to submit to the cooperative medical system.
There are many types of commercial medical insurance for farmers, but there are very few insurances that farmers can accept and pay for. In contrast, the cooperative medical system still has advantages in payment standards, reimbursement ratios, disease types, etc. , especially as you get older, you are more likely to get serious illnesses, and the cost is still very high without any medical insurance. My neighbor is an example. He never paid for cooperative medical care before he was 45 years old. When he was 46 years old, he suddenly suffered from cerebral congestion. He spent tens of thousands of yuan on hospitalization and could not be reimbursed. He regretted it very much. Since then, he has paid on time every year. As for getting sick, we don't want to see it, nor do we want to learn any lessons from it. Just like car insurance, after paying the money every year, I hope that it will be safe and without any accidents.
In fact, the reform of my country's rural medical system has been ongoing, and farmers are too focused on the issue of growing medical costs. In fact, cooperative medical care has made great progress in other aspects. For example, in terms of critical illness reimbursement ratio, the New Rural Cooperative Society will compensate at a ratio of no less than 70%. After compensation, the portion of personal expenses that exceeds the critical illness insurance compensation standard will be compensated by the critical illness insurance at a ratio of no less than 50%; In terms of designated hospitals, we will continue to expand the scope of designated hospitals, basically achieving full coverage of tertiary hospitals, and making the procedures for medical treatment and referral in other places more convenient and faster; for farmers' medical treatment for minor illnesses, local governments continue to improve the strength of health facilities in various towns and villages, and basically achieve nearby treatment. .
Of course, there are still many problems in rural cooperative medical care. For example, many farmer friends have reported that village health centers still prescribe drugs indiscriminately and indiscriminately. Township health centers are poorly equipped and cannot perform even slightly complex examinations. We still have to go to the county hospital and wait for the situation. What I want to say is that the real value of rural cooperative medical care lies in the reimbursement of serious illness medical treatment. If conditions permit, try to pay as much as possible.