That said, 2020 will soon be over, from the end of October, our village cadres have been in the group to urge the villagers, to pay the new period of rural medical insurance.
But the effect does not seem to be very good, after more than a month of urging, I today clicked on the village has not paid the list of rural medical insurance, found my God, since there are 365 people have not paid.
You should know that our village door number is only more than 420, that is, more than 420 villagers, to a family of an average of 4 adults, *** is 1680 people, but there is one quarter of the villagers, since they have not been going to pay the rural health insurance?
So rural health insurance, farmers in the end to pay it? The following I'll share with you, my personal opinion:First of all, to analyze, why are there farmers are not willing to pay the rural health insurance? You should know that the annual 280 yuan of rural medical insurance money, on average, only need to day about 70 cents, counting up not much like, but if in case of illness, but the highest can enjoy 90% reimbursement ratio.
In 2006 or so, when rural cooperative medical care first came out, farmers were very happy, only 10 yuan a year, and then you can be reimbursed for the future, no longer have to worry about the future of the sick can not afford to see the problem.
But with the participation of more and more people in rural health insurance, the former rural medical only need 10 yuan a year, now many rural generally need to pay 280 yuan a year.
To say 280 yuan is actually not very high, but the problem is that this cost is the cost of a person,and rural elderly people to pay for health insurance is not like the city, to reach a certain age do not have to pay for health insurance, but also can enjoy medical insurance. This means that for a rural family with 4 people (their own husband and wife and parents), the cost to pay is in the range of 1120 dollars a year.
When 280 yuan, becomes 1120 yuan, with the income of some farmers' families, they naturally can not afford to pay so much money. What's more, many farmers also feel that they don't have any health problems, and that they just get some colds and flu every year, and go to the drugstore to buy a box of medicine or a small clinic to have a look at it, without going to the hospital. Pharmacies and clinics are not reimbursed either, so they don't bother to pay for rural health insurance.
Additionally, even if you pay for health insurance, you won't necessarily be reimbursed for the cost of some tests and medicines.
And each level of hospital, the reimbursement rate is not the same, usually the level of low township health centers, the reimbursement rate is the highest, on the county, city, across the province, the lower. But the smaller the hospital, the fewer the items that can be seen, and a lot of large-scale medical equipment they do not have, and can only go to the first level of hospitals.
And health insurance is also divided into outpatient reimbursement and hospitalization reimbursement, outpatient basically very few reported, only hospitalization. However, some diseases do not require hospitalization, but if you are hospitalized for reimbursement, it is not cost-effective. Because hospitalization will incur more costs.
The final amount of reimbursement is also standardized, so if the amount of money spent is not enough to reach that amount, you can't be reimbursed, and if it is more than the standardized amount, you will have to pay for the extra part. All kinds of reimbursement conditions require, which also leads to some farmers, not willing to pay.
These are some of the reasons why farmers are reluctant to pay for rural health insurance, from which we can see that the reason for not paying, one is the family economy, another is to think that the reimbursement of the box limit is too much.But there are farmers are not willing to pay rural health insurance, there are also people willing to pay, they pay the reason is very simple, although now the body is no big problem, but the health of this kind of thing, once the accident, there are rural health insurance in, can reduce a lot of burden.
Like I have a relative, he is also a few years ago, suddenly checked out to commit uremia, he needs to go to the hospital every week to do a blood dialysis, if there is no rural health insurance, he needs to bear the cost of about 400 yuan, but with rural health insurance, reimbursement is completed, he only need to bear 70 yuan.
Conclusion:
Rural cooperative medical care, to my personal view, in fact, or to pay a little more cost-effective, it is said that people do not have far-fetched will be close to the problem, vision to look at the long term, and so on, when the real big disease comes, those who can be reimbursed for the money, you can offset a number of years of payment of health care costs.
Of course, the rural health insurance to pay, although the village has been urging, but also for the good of the villagers, really pay and do not pay the right to choose, or in their own hands, which is voluntary, and is not mandatory that you must pay the money of the rural health insurance.