"Medical insurance" is the most important thing: Guizhou Provincial Medical Insurance Bureau interprets the "family economy" for you

In order to further expand the scope of use of personal accounts of employee basic medical insurance (hereinafter referred to as employee medical insurance), Guizhou Province has implemented the "family economy" for personal medical insurance accounts since September this year. Individual accounts of employee medical insurance can It is used to pay for the medical expenses incurred by the insured person, his spouse, parents, and children in designated medical institutions. What is the medical insurance "Family Insurance"? Can a family only use one social security card to activate the "Family Insurance"? What are the conveniences of opening the "Family Insurance"? What should be paid attention to when using it? Matter?... In the past few days, many Guiyang citizens have inquired about medical insurance, "family financial aid" and other related issues. In this regard, the reporter contacted the Guizhou Provincial Medical Security Bureau to interpret relevant policies for everyone. Guizhou Provincial Medical Security Bureau: Before answering the question, we need to remind all insured persons that the employee medical insurance personal account family financial system does not "use medical insurance electronic vouchers, ID cards or social security cards" for medical treatment, or " ***Use the outpatient reimbursement amount." The scope of financial use is limited to funds in personal accounts, and the policy that should be reimbursed by the medical insurance coordinating fund cannot be used. For example, I am an insured urban and rural resident, and my family members participate in the employee medical insurance. Family financial assistance only allows me to use the funds in the personal accounts of my family members who participate in the employee medical insurance when I see a doctor. It does not mean that when I see a doctor, I can use my family’s employee medical insurance policy for reimbursement, or I can directly use his social security card to see a doctor and buy medicine. When the insured people seek medical treatment and purchase medicines, they must use their electronic medical insurance voucher, ID card or social security card to seek medical treatment under their real name. Never use someone else’s identity to seek medical treatment to avoid being held legally responsible for fraud and insurance fraud. Citizens asked: What is the "family financial aid" of medical insurance, and who can enjoy the benefits of this policy? Guizhou Provincial Medical Security Bureau: The use of personal account family financial assistance refers to the funds in the personal account of employee medical insurance, and is limited to It is used by employees themselves and can be extended to be used by family members. In other words, the personal account of employee medical insurance, in addition to being used to pay for the medical expenses incurred by the insured person within the scope of the policy at designated medical institutions or designated retail pharmacies, can now also be used to pay the spouse, parents, and children of the insured person. Medical expenses incurred by individuals for medical treatment at designated medical institutions. Currently, more than 42 million people are covered by basic medical insurance in Guizhou Province, of which 4.88 million are insured employees. To realize the personal account family economy, these 4.88 million insured employees can use their personal account balance funds to enjoy the basic medical insurance for employees or urban and rural residents in Guizhou Province (formerly the New Rural Cooperative Medical Insurance and Urban and Rural Resident Basic Medical Insurance). Resident medical insurance) family members can use it. Citizens asked: Do I need to go to the on-site window to apply for the "Family Insurance" medical insurance? Or how to activate it? Guizhou Provincial Medical Security Bureau: No. Employees' medical insurance participants can log in to the Guizhou Medical Insurance APP and the Guizhou Medical Insurance WeChat official account to bind family members by themselves through these two online channels, but they must fill in the identity information of the individual and the family members who need financial assistance. This binding service can be completed in a few minutes. If the insured person is inconvenient to use the online channel of mobile phone, he can also go to the nearest medical insurance handling window to apply for account binding service. When applying offline, he needs to bring his or her ID card, economic target ID card or household register, etc. Identification materials. Citizens asked: What are the requirements for activation? Are there any requirements such as insurance participation time, amount of funds, relationship between binding persons, etc.? Can a family only use one social security card to activate the "Family Social Security"? Guizhou Provincial Medical Security Bureau : At present, in order to realize personal account family economics, employees’ medical insurance participants and their spouses, parents or children who need to share personal accounts must be insured by Guizhou Province’s basic medical insurance (employee medical insurance or urban and rural residents’ medical insurance). people, and they are all in normal insurance status. After the realization of family financial assistance, all employees' personal account balances will be used as family financial assistance funds by default. There is no usage limit. However, the funds in the employee's personal account are related to the individual's insurance payment base and personal medical treatment. Each person Every situation is different, and insured persons can arrange the use of personal accounts according to their actual circumstances.

Citizens asked: What are the conveniences of opening "family financial aid"? What should be paid attention to when using it? Guizhou Provincial Medical Security Bureau: After insured employees open family financial assistance, their family members who need financial assistance can seek medical treatment. When applying, you will first enjoy corresponding medical insurance reimbursement according to the type of medical insurance you participate in (employee medical insurance or urban and rural residents medical insurance). After being reimbursed by basic medical insurance, the remaining expenses that need to be paid by yourself can be paid with financial funds from the employee's personal account. . Employees' personal accounts can also be used to pay for family members to participate in Guizhou Province's urban and rural residents' medical insurance in 2023. Currently, the Provincial Medical Insurance Bureau is still stepping up the development of this function and will be implemented as soon as possible in the near future. It will be announced to the public in a timely manner. Please pay attention to the news released through official channels in a timely manner. When using personal account family finance, you need to pay attention to the following matters: First, you need to establish a binding relationship with your family members first, and both employees and family members are participants in our province's basic medical insurance. The second is the scope of financial family members. According to national policies, it refers to the spouse, parents, and children of the employee's legal relationship. The insured person needs to truthfully declare the information. Third, ***Economy does not directly use other people's medical insurance electronic vouchers, ID cards or social security cards. Insured persons must use their own medical insurance electronic vouchers or social security cards when seeking medical treatment, and abide by the real-name medical treatment regulations. Citizen question: If you have other related questions, what are the online and offline channels for consultation?