2023 Medical Insurance Card Money Back

Recently, a fan asked me about it. I heard that in 2023, the rebate amount of the employee medical insurance personal account will be adjusted. The pension is 2,000 yuan and 5,800 yuan. Is there any difference in the rebate amount? First Let’s talk about the truth about the adjustment of medical insurance rebate amount in 2023. In 2023, it is not a nationwide adjustment to the amount of employee medical insurance personal account rebates, but some regions will adjust the amount of medical insurance rebates. Because some regions will officially implement the financial security reform of employee medical insurance outpatient clinics from 2023, after the reform, the amount of rebates from individual medical insurance accounts will usher in changes. Specifically, the adjustment to the amount of medical insurance rebates is divided into two categories of people. One category is active employees, and unit contributions will no longer be included in personal accounts. The other category is retirees. The amount included in the pension plan for retirees has been changed to a certain proportion of the local average pension in the previous year. Currently, the proportion is about 2% in most areas, and in some places it is higher than 2%. For example, starting from January 1, 2023, Suining, Sichuan will implement the "Implementation Rules of Suining City Employee Basic Medical Insurance Outpatient Financial Security Mechanism", and the amount included in the employee's insurance payment base will be 2% of the insured's payment base. Ganzhou, Jiangxi Province, where the retiree credit limit is the average level of Suining City's basic pension in 2022, will also implement an employee basic medical insurance outpatient financial security mechanism from January 1, 2023. The retiree personal account credit standards will be in accordance with this implementation The average level of the province's basic pension in the year when the reform is implemented shall be included in the calculation. Yichun, Jiangxi Province will also implement the "Yichun City Employee Basic Medical Insurance Clinic Financial Security Implementation Rules" from 2023. The retiree medical insurance rebate amount is also the average basic pension in the province in the year of reform. Gansu Province Provincial System in January 2023 The financial security reform for employee medical insurance outpatient clinics will be implemented from the 1st, and the monthly fixed amount will be adjusted to 120 yuan. Let’s talk about the difference between the pension of 2,000 yuan and the pension of 5,800 yuan. Is there any difference in the refund amount? In fact, before the reform, the amount of refund from the personal medical insurance account of retirees in some areas was linked to their pension. In such areas, pension There is naturally a difference in the amount of medical insurance return for a pension of 2,000 yuan and a pension of 5,800 yuan. The amount returned for a pension of 5,800 yuan will be higher. For example, if the local medical insurance transfer ratio is 4% of your pension, then a pension of 2,000 yuan is transferred to 80 yuan, and a pension of 5,800 yuan is transferred to 232 yuan. After the reform, the amount returned from the retiree's medical insurance account is basically linked to the local average pension and is not linked to the retiree's personal pension. Therefore, the level of the retiree's own pension will not affect the amount of the medical insurance return. Therefore, after the reform, a certain proportion of the local average pension will be allocated to the area where the retirees are located, which means that the amount of medical insurance allocated to all local retirees will be the same, and there will be no difference. That is, for pensions of 2,000 yuan and 5,800 yuan, regardless of the retiree's pension level, the medical insurance return amount is the same. Of course, in some places, the current medical insurance reimbursement amount still differs by age. For example, after the financial security reform of the Beijing Employee Medical Insurance Outpatient Clinic, the medical insurance rebate amount for retirees under the age of 70 (exclusive) is still classified as 100 yuan/month. Those over 70 years old are charged 110 yuan/month. Summary: Beginning in 2023, many regions will indeed implement financial security reforms for employee medical insurance outpatient clinics, and the amount of medical insurance rebates will also be adjusted. Whether there is a difference in the medical insurance return amount between pensions of 2,000 yuan and 5,800 yuan depends on whether the local area has implemented outpatient financial security reforms. If the reform is implemented, the amount transferred to retirees will be a certain proportion of the local average pension, and the medical insurance return amount will be the same for everyone, with no difference. If the reform has not yet been implemented and it is still linked to my pension, the amount of medical insurance refund will be different.