Can rural cooperative medical care buy medicine? What's the use of giving 320 yuan?

Rural cooperative medical insurance has just been paid, and 320 yuan per person has increased by 40 yuan compared with last year. When I went back to the village yesterday, I heard the old people at the entrance of the village complaining, as if everyone was not so willing to pay, but it did not affect the village cadres to remind them in the big speakers and groups every day.

So what role can each farmer 320 yuan play? What is rural cooperative medical care? I think many people may not be very clear, only know that they have to pay money once a year, and it is getting higher and higher, which has a lot to do with the poor publicity of village cadres.

Rural cooperative medical care is a welfare set up by the state to alleviate the problems of difficulty and high cost of medical treatment for farmers. Of course, there was no such welfare in rural areas in the past, which can be said to be a great progress in the development of agriculture, rural areas and farmers from scratch. However, rural cooperative medical insurance is very different from urban employee medical insurance. Let's be specific.

Can rural cooperative medical care be used to buy medicines for reimbursement?

Now farmers also have social security cards. On the surface, it is no different from the social security card of urban workers, but the content is quite different. Because I used to work in Beijing, at that time, there would be more than 100 yuan in my medical insurance account every month. I can directly reimburse you for buying medicine at designated pharmacies and outpatient clinics. Even if you don't have to buy medicine, you can take out the cash. I remember that I take out more than 100 yuan from my medical insurance account every month and go to a restaurant for a meal.

After returning to my hometown, I began to pay for rural cooperative medical care. Once, I took it to the drugstore to buy medicine. The shopkeeper told me that rural medical insurance can't buy medicine, and urban workers can only buy medicine with social security. I argued with others at that time. I pay every year. Why can't I buy medicine? What can this social security card do? Decoration?

Now I finally understand that the rural social security card really can't be used to buy medicine. Compared with the social security card of employees in Shangzhen, it has many restrictions, and the inability to buy medicine is one of them.

For some minor illnesses, the current cost is actually not low. For example, if we have a cold now, we need to buy several boxes of cold medicine, 78 100 yuan, which is too high to be reimbursed.

Medical insurance for urban workers has a personal account. We know that these people who pay social security in enterprises generally pay according to the proportion of 8%, and they will deduct a part from their wages every month, so that part of the proportion will be transferred to personal medical insurance accounts, and the balance of personal medical insurance accounts can be directly taken to pharmacies to buy medicines, or they can pay directly instead of cash when they are employed in outpatient clinics.

Different from social security for urban workers, rural cooperative medical care is paid once a year in rural areas, which belongs to urban and rural residents' medical insurance according to the minimum standard. The proportion of payment corresponding to this part of insurance is relatively low, and it is impossible to establish a personal medical account. If a personal medical insurance account is established, the final account is only a few dozen pieces, which is of no use at all, so this part of the money is ignored.

Although farmers only pay a few hundred yuan for medical insurance every year, we have to admit that this has also caused a great burden to many farmers. I think the original intention of medical insurance is to reduce the burden on farmers, solve the problem that farmers look down on illness and dare not see a doctor, and put an end to the situation of returning to poverty due to illness.

I hope that farmers' medical insurance cards can buy medicines and should be put on the agenda as soon as possible, so that farmers can also enjoy the benefits of medical insurance, which can minimize the burden of medical treatment for farmers to see minor illnesses.

What do farmers pay 320 yuan to see a doctor for?

According to this year's standards, the per capita cost of rural cooperative medical insurance is 320 yuan, which is definitely only useful if we pay for it. However, not every farmer knows the function of this social security card.

The most basic point is that hospitalization can be reimbursed. Faced with expensive medical expenses, it is really a huge economic pressure for low-income farmers. The rural cooperative medical system can reimburse 50%-60% of the expenses, which can save a lot of expenses.

There are also some special groups, such as poor households, five-guarantee households and low-guarantee households. Not only do they not have to pay medical insurance premiums every year, but the proportion of reimbursement for hospitalization is higher than that of ordinary people, reaching 75%. It can be said that they spend almost no money, which really relieves the problem of expensive medical treatment for these people. With the deepening of poverty alleviation, most areas have been lifted out of poverty, and poor households in some areas also need to pay certain medical insurance fees, but ordinary people only need to pay110, ordinary people only need to pay 320 yuan, and poor people only need to pay 32 yuan.

With the continuous improvement of rural cooperative medical policy, the functions of rural social security cards will be more and more, and farmers will get more and more benefits. Although there is still a big gap between rural cooperative medical care and social security for urban workers, it can still help us at a critical moment, so we still have to pay rural cooperative medical care on time. We also suggest that rural cadres do a good job in publicizing social security cards so that ordinary people can really understand the role of this card.

Can rural cooperative medical care buy medicine? What's the use of giving 320 yuan? What else do you want to say about this topic? What can we do about rural cooperative medical insurance? Welcome everyone to discuss together.