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你的医保个人账户在睡觉吗?好多地方都能用了
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Topic: 你的医保个人账户在睡觉吗?好多地方都能用了 (Read 182 times)
oetea
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你的医保个人账户在睡觉吗?好多地方都能用了
July 11, 2017, 07:08:09 AM
#1
医保个人账户里的钱能不能随便花?
“医保要封闭管理,今后只能用来看病,下个月就不能支取了。”在北京,这个传闻在每年底都要兴起一遍,导致市民集中赶来提取医保存折里的钱,银行里人满为患。
而在江苏常州等地,医保个人账户的钱不能取出来,许多医保定点药店都被设计成了特殊的布局——一楼用来买药,二楼则是一个隐蔽的“超市”,从洗护用品到零食、柴米油盐应有尽有,医保卡里余额较多的客户都会熟门熟路地爬上二楼挑选商品,再到一楼用医保卡结算。
1998年,国家下发《国务院关于建立城镇职工基本医疗保险制度的决定》。提出建立医保个人账户并明确:个人账户的资金来源,是基本医疗保险基金的一部分,不是储蓄性的资金;账户中的资金只能用于个人医疗支出,是专用账户;账户资金归属于个人,结转使用和家属继承都是制度允许的。
社会统筹和个人账户相结合的医疗保险制度的建立,有其历史背景。当时,职工医保覆盖率、统筹水平和信息化建设水平较低,医保只对住院患者开放,门诊患者不能享受,导致个人自付比例较高、门诊就医负担较重,所以用个人医保账户来配合医保统筹是一种补救办法。
多地着手拓宽医保个人账户用途!
目前,很多地区已经着手拓宽医保个人账户的用途。
浙江
从2016年8月1日起,浙江省医保个人账户历年结余资金可用于支付职工基本医疗保险参保人员配偶、子女、父母等近亲属的医疗保障费用,实现家庭成员之间共济互助。符合条件的参保人员可使用个人账户历年结余资金为其本人、近亲属购买商业健康保险。
重庆
自2015年起,重庆允许参保人员个人账户资金用于参加该市基本医保(包括职工医保或居民医保)的亲属或指定人在门诊就医,或住院后个人应承担的费用。
上海
从今年开始,上海市职工基本医疗保险参保人员,可按照自愿的原则,使用职工医保个人账户历年结余资金,为本人购买经保监会批准、市政府同意的商业医疗保险专属产品。
广东
广东正在试点长期护理保险制度,原则上主要覆盖职工基本医疗保险参保人群。
天津
从2016年10月份起,天津按照统账结合模式参加职工基本医疗保险的人员,其当月个人账户金额的70%实行注资管理,由社会保险经办机构按月划入本人社会保障卡金融账户,参保人员可自行提取。
人社部:将研究改进个人账户的具体办法
人社部近日公布的数据显示,截至2016年末,我国城镇职工基本医疗保险统筹基金累计结存9765亿元,个人账户积累5200亿元。而截至2012年末,个人账户积累2697亿元。医保个人账户结存4年累积基金已经实现翻倍。
针对“医保套现”现象,人社部近日回应:将完善医保定点机构管理和退出机制,从制度上堵塞欺诈骗保漏洞。特别提到,将研究改进个人账户的具体办法。
Sidler
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Activity: 100
Merit: 10
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Re: 你的医保个人账户在睡觉吗?好多地方都能用了
July 11, 2017, 08:24:07 AM
#2
很多地区已经着手拓宽医保个人账户的用途
equa178
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Activity: 70
Merit: 10
Re: 你的医保个人账户在睡觉吗?好多地方都能用了
July 12, 2017, 09:18:51 AM
#3
医疗保障的钱确实不能用来买东西。
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你的医保个人账户在睡觉吗?好多地方都能用了
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