New regulations on cash back of medical insurance cards in 2023

In 2023, the medical insurance refund will be adjusted, and the length of service will be 25 years and 40 years. Can the refund amount be 2 times different?

In 2023, there should be many areas to carry out medical insurance reform. As far as the identified areas are concerned, there are Shanxi, Qinghai, Sichuan and Chengdu. In 2023, local medical insurance will be reformed from 65438+ 10/,but for retirees with 25 years of service and 40 years of service, can the medical insurance refund be doubled?

1, medical insurance refund adjustment

In the past two years, local medical insurance reform has been completed in some areas, such as Hebei, Henan, Shanghai and Anhui. Compared with before, local employees who pay employee medical insurance can also enjoy higher treatment.

After the medical insurance reform, our medical insurance will add two treatments, outpatient reimbursement and family treatment. For the treatment of outpatient reimbursement, the insured can also reimburse the outpatient expenses when taking medicine from the outpatient clinic, and the reimbursement ratio is usually 50% to 80%, which can reduce the medical burden of the insured; For the treatment of the whole family, the insured's parents, spouses and children see a doctor and take medicine. When family members in some areas pay residents' medical insurance, they can use the balance of the insured's personal account to pay medical insurance expenses.

In addition, the medical insurance reform has also adjusted the medical insurance distribution mode of the insured, and the proportion of employees is uniformly adjusted to 2%, that is, all the individual contributions are included in the individual medical insurance account, and the company contributions are included in the overall account; For retirees' medical insurance, the adjustment schemes vary slightly from place to place. For example, Beijing, Shanghai and Tianjin are included according to the age quota of retirees, and most other regions are adjusted according to 2% of the per capita pension level of the province in the year of reform, such as Henan, Anhui and Qinghai.

It can be seen that in the areas of medical insurance reform, the local medical insurance distribution methods have also been adjusted. After the adjustment, the medical insurance distribution methods of the insured are unified, in which the medical insurance distribution ratio of the on-the-job employees is adjusted to 2%, and the monthly medical insurance distribution quota of the insured with different payment bases is also different. For retirees, the amount of medical insurance distribution for retirees is unified in the same area.

2. The relationship between length of service and medical insurance refund.

In 2023, with the completion of medical insurance reform in more and more areas, can the difference between retirees with 25 years of service and those with 40 years of service be 2 times?

For this problem, we need to know how to allocate medical insurance in different places and see if the refund of medical insurance in different places is related to the length of service. If so, there will be a gap between retirees with 25 years of service and retirees with 40 years of service. If there is no correlation, then the medical insurance refund is not affected by 25 years and 40 years of service.

According to the regions that have completed the medical insurance reform at present, and the regions that implemented the medical insurance reform on June 5438+ 10/in 2023, the distribution mode of medical insurance in these regions, whether for employees or retirees, has nothing to do with the length of service. The distribution mode of employees is related to the individual contribution base, and the distribution mode of retirees is related to the age and the local per capita pension level.

For example, for retirees in Beijing, Shanghai and Tianjin, the distribution of medical insurance is related to their age. The amount of medical insurance allocated for retirees of different ages is different. For retirees in Guangdong, Henan, Anhui, Hubei and Sichuan, the method of medical insurance distribution is based on the local per capita pension level. Although the distribution ratio varies slightly from place to place, the distribution standard is the same as the per capita pension level.

There is also the distribution method of medical insurance in Shanxi, in which employees are distributed as in other regions, and retirees are distributed according to the standard quota of 85 yuan every month.

Judging from the medical insurance methods in the above areas, the medical insurance methods of retirees have nothing to do with the length of service, so the medical insurance refunds received by retirees with 25 or 40 years of service will not be affected, and they are all paid in accordance with local regulations.

To sum up, after the adjustment of the medical insurance distribution method, the medical insurance distribution method in most areas is linked to the local per capita pension level, and a few areas are related to the age of retirees, so the length of service of retirees has no effect on the medical insurance refund.