There are many factors that cause the cost to rise year by year. For example, prices have risen and medical expenses have risen as a whole. In addition, the expansion of reimbursement scope and the increase of reimbursement ratio of the new rural cooperative medical system are also one of the main factors affecting the increase of expenses. Compared with previous years, it can be clearly felt that the reimbursement scope of the new rural cooperative medical system has expanded. At present, the scope of medical insurance drugs supported by the new rural cooperative medical system has expanded from the original 1 127 to 2500.
Some diseases that did not belong to the category of reimbursement before can now be reimbursed by the new rural cooperative medical system. On the other hand, the proportion of reimbursement has also increased in recent years. In the past, the reimbursement rate was basically around 50%, and now it has reached more than 70%. The expansion of the scope of reimbursement and the increase of the proportion of reimbursement mean that the guarantee is more perfect, and at the same time, it means that there are more opportunities to enjoy the guarantee and the expenses are naturally more. This is why the cost of the new rural cooperative medical system will increase year by year.
What is the difference between the new rural cooperative medical system and medical insurance?
1. Payment: There is a difference in the payment amount between the two. Generally, the payment standard of the new rural cooperative medical system is uniformly stipulated by the state every year. However, compared with medical insurance, the new rural cooperative medical system is still relatively cheap. Medical insurance is paid according to the proportion of wages, and the payment base is my average monthly salary in the previous year. The wage levels in different regions are different, which leads to different proportions and amounts in each region.
2. Reimbursement scope: The new rural cooperative medical system can be reimbursed in some township hospitals and small hospitals in counties and cities, but it is very difficult to reimburse in large hospitals in cities. The scope of medical insurance reimbursement is relatively wide, and both outpatient and inpatient can be reimbursed.
3. Reimbursement ratio: The higher the level of a general hospital, the lower the reimbursement ratio. But overall, the proportion of medical insurance reimbursement is higher than that of the new rural cooperative medical system.
4. The object of medical insurance for urban and rural residents is unemployed residents and urban minors who have not participated in medical insurance for urban workers; The protection object of the new rural cooperative medical system is mainly rural farmers.