reporter Liu Defeng Intern Zhang Ying Rui Shi Xin
in a drugstore in Ji'nan, the shelves are stocked with shampoo, wash milk and other daily necessities.
now, daily necessities such as cooking oil and shampoo are increasingly appearing in health care drugstores. The diversification of drugstores has become a hotbed for pharmacies to allow citizens to "brush medical insurance cards to buy daily necessities".
"Carly's money is useless. Why not buy anything else?" Urban residents say that health care card has no money, does not affect hospitalization and reimbursement, its own money should be arbitrary. In fact, the personal accounts of medical insurance have become "chicken ribs". In contrast, it is difficult for medical care patients to be hospitalized frequently, and experts have called for more medical funds to be invested in the health care fund, rather than a place to be used.
[b] medical insurance card purchase daily necessities for 8 years [/b]
recently, the reporter in the Tianqiao District dike road of a medical insurance point drugstore to see, edible oil, drinks and other goods are placed in the position of the right store. Reporters removed a tube of toothpaste from the rack and settled it at the counter. When the reporter proposed to pay for the medical insurance card, he was rejected by the clerk. The clerk told reporters that because toothpaste is not in the list of medical insurance drugs, it can not be settled on the medical insurance card.
, then, the reporter went to another nearby drugstore designated pharmacies. There is also a special rack on the window seat, with all kinds of toiletries on it. There are also special cosmetics counters in the shop. When reporters asked whether they could use medical insurance cards to buy these goods, the clerk gave the reporter a positive answer. Later, the reporter bought a bottle of shampoo with his friend's medical insurance card.
in the interview, many people said that in fact, many pharmacies can use medical insurance card to buy daily necessities. However, some drugstores generally only allow very familiar old customers to swipe their cards. Mr. Liu said that he had used medical insurance cards to buy daily necessities in a drugstore. He believes that this is the use of dead money to live, a year can not eat much medicine, money is useless in it, it is better to use first, and then buy medicinal cash.
Ms. Ding, who also bought daily necessities in a drugstore, told reporters that his medical insurance card had little money every month, and he was not often sick, so it was not used basically.
reporters learned from the medical insurance department in Ji'nan that pharmacies allow citizens to use medical insurance cards to buy daily necessities, which is a violation. According to the provisions of the Interim Measures for basic medical insurance for urban and urban workers in Ji'nan, the personal account gold of medical insurance can only be used for specific purposes, that is, "to pay for the outpatient, inpatient and outpatient provisions in accordance with the basic medical insurance regulations, the medical expenses for the personal burden of diagnosis and treatment and the cost of buying medicine at a designated retail drugstore".
reporters found that the measures were implemented since December 1, 2002. That is to say, eight years later, the phenomenon that citizens can buy medical insurance cards for daily necessities has not yet disappeared.
[b] medical insurance Kali's money is less than [/b]
a person in charge of the medical insurance department in Ji'nan tells a reporter that the medical insurance card is owned by the citizens, and how the capital is controlled is the freedom of the citizens. Therefore, the focus of the management of the medical insurance sector is also placed on the management of drugstores.
the person in charge said that there are now about more than 400 designated retail pharmacies in Ji'nan, and the health care department is responsible for less supervision, so it is more difficult to supervise. In addition, the daily necessities of the drugstore are a cross Management Zone in many departments, such as the industry and Commerce Department, the pharmaceutical supervision department and the medical insurance department, which also brings difficulties to the supervision and management of the medical insurance department.
at present, the role of the personal account of medical insurance is not very important when patients with medical insurance in cities and towns are admitted to the hospital. The patient's hospitalization is more dependent on the medical insurance fund.
Mr. Bian told reporters that he spent more than 13000 yuan in hospitalization in the near future, except for the drugs used outside the gate, and only spent more than 3000 yuan. Mr. Bian said that, no matter how much money the medical insurance card has, as long as it has joined the medical insurance of the town, and has handled the income of the disease and the door of the hospital, it can be reimbursed according to the proportion. The medical insurance card is only a certificate of medical insurance. Because of the low frequency of using medical insurance cards, many people feel that the money of medical insurance card does not matter to themselves, so they buy something else.
since it is difficult to regulate and it is of little use, the sound of cancelling the personal accounts of medical insurance is becoming more and more intense. Professor Xu Lingzhong of the school of public health of Shandong University said that if the country has cancelled the personal account of medical insurance, the funds used for medical care will be more into the medical insurance fund, and the medical insurance fund will play a greater role in the treatment of big diseases. But it should be noted that before the cancellation of personal insurance accounts, the funds accumulated in the personal accounts of medical insurance should be disposed of properly. A person in charge of the
[b] medical insurance personal account or the medical insurance Department of the city of Ji'nan, which will be cancelled, said that there is a dispute over whether to set up a personal account for medical insurance and the reform of the medical insurance system. In addition to considering the difficulty of supervision, it is suggested that the establishment of personal accounts for medical insurance is of little significance. Because the use of personal insurance accounts is not much different from the purchase of drugs and payment of medical expenses. If the city's people's livelihood needs hospitalization, they can be paid through the fund of the medical insurance co-ordination fund.
he also told reporters that the establishment of the personal account of medical insurance is based on the consideration of the new and old medical insurance system, which aims to achieve a reasonable and smooth transition of the two systems. However, from the current situation, the personal accounts of medical insurance lack social assistance. Excessive deposition of personal accounts has led to inefficient use of medical insurance funds. The new version of social security law does not give too much expression to the personal accounts of medical insurance. According to the current trend, the personal account of medical insurance will continue to exist for some time, but it is not denied that the future medical reform has the possibility of cancelling the personal account of medical insurance.
[b] has already canceled medical insurance personal account [/b]
[b], a social research fellow at the Chinese Academy of Social Sciences, said in an interview with the media, "the design of personal accounts was a mistake at the beginning, and it was not surprising that there were many problems of supervision." He believes that the medical insurance event is essentially a probability event, which is the most consistent with the concept of insurance. Small probability events are solved by mutual assistance mechanism, that is, social co ordinate, rather than personal accounts and personal contributions. Zheng Bingwen, an expert on social security of the Chinese Academy of Social Sciences, also said that the existence of individual accounts resulted in the malignant expansion of the abuse of the account, and the two was the ability to co-ordinate the funds of the medical insurance system. At present, the medical insurance funds of most countries in the world are integrated into the overall planning of society. The purpose is to maximize the role of social solidarity. Therefore, from this perspective, the abolition of personal accounts is the general trend. According to media reports, as early as 2007, Hunchun, Yanbian Korean Autonomous Prefecture, had cancelled the establishment of personal accounts for basic medical insurance for urban residents. It is reported that in 2007, Hunchun adjusted the outpatient medical treatment, set up no personal accounts, and lowered the personal payment standard accordingly.