With or without refers to whether you have paid social security (medical insurance)/new rural cooperative medical care (new rural cooperative medical care).
If commercial insurance is available, it is cheaper; if not, it is more expensive.
Extended information:
1. Buying medicine with medical insurance turns out to be more expensive than without medical insurance
Hospitals have an unwritten rule, because there is no medical insurance Most people pay for it out of their own pocket, so doctors will recommend more cost-effective drugs with fewer courses of treatment. For people with medical insurance, most of the drugs prescribed by doctors are more expensive.
Because the purchase channels for medical insurance drugs and non-medical insurance drugs are different, the purchase price of medical insurance drugs itself is much higher.
2. Hospitalization and surgery, medical insurance provides greater protection
At the hospitalization stage, the absolute advantage of medical insurance becomes apparent.
The above picture is for reference only, and standards vary from place to place.
Whether you have medical insurance or not, in terms of financial expenditure alone, the burden of hospitalization is very heavy, because hospitalization is a pure loss of assets, especially in an era with a weak economic foundation, no one wants to do it unless it is absolutely necessary Hospitalized. However, after the implementation of the medical insurance system, by comparing indicators such as the number of hospitalizations, medical insurance payment amounts, and hospitalization proportions of sick people, it can be found that medical insurance allows people to dare to step into the hospital door and dare to be hospitalized after falling ill. After all, part of the reimbursement can be reimbursed. .
There is a view that after the implementation of the medical insurance system, medical expenses have increased significantly, which has actually increased people's medical burden.
Judging from the year-on-year increase in average medical expenses alone, hospitalization expenses have increased after the implementation of the medical insurance system in recent years. This situation is common across the country.
But not all expense increases are negative.
It is precisely because of the support of the medical insurance fund and the strong support of the government that hospitals can purchase more advanced medical equipment for diagnosis and treatment, and people can choose to use more expensive and more effective drugs for treatment. Illnesses, total check-up costs and medication costs naturally increase.
Of course, there are other factors that have led to increased costs, such as hospitals’ excessive pursuit of economic interests, doctors’ professional level and quality, etc.