Why are some farmers not enthusiastic about rural cooperative medical care payments?

It is said that 2020 is about to pass. Since the end of October, our village cadres have been urging villagers in the group to pay for the new period of rural medical insurance.

However, the effect does not seem to be very good. After more than a month of urging, I clicked on the list of people in the village who have not paid for rural medical insurance today, and found that my God, there are 365 people who have not paid.

You must know that our village has only more than 420 house numbers, that is, more than 420 households, with an average of 4 adults in a family, which is 1,680 people, but one-quarter of the villagers, they Since you never pay for rural medical insurance? So do farmers have to pay for rural medical insurance? Let me share with you my personal views:

First, let’s analyze why some farmers are unwilling to pay for rural medical insurance? You must know that the annual rural medical insurance cost of 280 yuan only costs about 70 cents a day on average, which is not a lot. However, if you get sick, you can enjoy up to 90% reimbursement.

Around 2006, when the rural cooperative medical system first came out, farmers were very happy. It only cost 10 yuan a year, and they could be reimbursed when they got sick in the future. They no longer had to worry. From now on, I won’t be able to afford medical treatment when I’m sick.

However, as more and more people participate in rural medical insurance, rural medical care used to cost only 10 yuan a year, but now many rural areas generally need to pay 280 yuan a year.

In fact, 280 yuan is not very high, but the problem is that this fee is for one person, and the elderly in rural areas do not have to pay for medical insurance like in cities. They do not need to pay for medical insurance after reaching a certain age. Enjoy medical insurance. This means that for a rural household with 4 people (your husband, wife, and parents), the annual fee you need to pay is 1,120 yuan.

When 280 yuan turns into 1,120 yuan, with the income of some peasant families, they are naturally reluctant to pay so much money. What's more, many farmers also feel that there is nothing wrong with their bodies, and they get some colds every year. They go to the drugstore to buy a box of medicine or a small clinic to check it, without going to the hospital. Pharmacies and clinics cannot reimburse, so they will not pay for rural medical insurance.

In addition, even if you pay for medical insurance, you may not be reimbursed for seeing a doctor. Some examination fees and some medicines are not within the scope of reimbursement.

There are also different reimbursement ratios for hospitals at each level. Generally, township health centers with lower levels have the highest reimbursement ratio, and the lower the reimbursement ratio is for counties, cities, and provinces. But the smaller the hospital, the fewer medical items it can treat. They don’t have many large-scale medical equipment, so they can only go to first-level hospitals for treatment.

Moreover, medical insurance is also divided into outpatient reimbursement and inpatient reimbursement. Basically, outpatient reimbursement is rarely reimbursed, and only inpatient reimbursement is available. However, hospitalization is not actually necessary for some diseases, but it is not cost-effective to be hospitalized for reimbursement. Because hospitalization will incur more costs.

The final reimbursement amount also has a standard line. If the amount of medical treatment does not reach that amount, it will not be reimbursed. If it exceeds the standard line amount, you need to bear the excess. Under various reimbursement conditions, some farmers are unwilling to pay. The above are the reasons why some farmers are unwilling to pay for rural medical insurance. From this we can see the reasons for not paying. One is family finances, and the other is that they feel that there are too many restrictions on reimbursement.

However, some farmers are unwilling to pay for rural medical insurance, while others are willing to pay. The reason for their payment is very simple. Although there are no major health problems now, health matters will be affected if something goes wrong. , with rural medical insurance, it can alleviate a lot of burdens.

For example, I have a relative who was suddenly diagnosed with uremia a few years ago. He needs to go to the hospital for hemodialysis every week. If he does not have rural medical insurance, he needs to bear 400 yuan a time. The cost is about 70 yuan, but with rural medical insurance, he only needs to bear 70 yuan after the reimbursement is completed. Conclusion:

From my personal point of view, it is actually more cost-effective to pay for rural cooperative medical care. It is said that people who are not worried about the long-term will have to worry about the short-term, and they should take a longer-term view, and wait until the real serious illness comes. , the money that can be reimbursed can offset the medical insurance premiums you have paid for many years.

Of course, although the village has been urging you to pay for rural medical insurance, it is for the good of the villagers. The real choice of whether to pay or not is still in your own hands. This is voluntary and is not mandatory for you. You must pay for rural medical insurance.