It is understood that Ningxia began to co-ordinate urban and rural basic medical insurance in Shizuishan City and Guyuan City in August 20 10. Since September 20 1 1, the system has been fully implemented in the whole region. The new medical insurance system no longer distinguishes between urban and rural hukou, and all urban and rural residents with Ningxia hukou can participate in the insurance. In the insurance compensation mechanism, the system of one file and multiple files is implemented, and three files are set. The individual payment standards for the first, second and third gears are 40 yuan, 170 yuan and 300 yuan respectively. The higher the gear, the higher the reimbursement rate. The annual maximum payment limit is 50,000 yuan, 654.38+10,000 yuan and 1.4 million yuan respectively.
According to Wu Ping, inspector of the Department of Human Resources and Social Security of the Autonomous Region, there are three outstanding features in the overall planning of medical insurance for urban and rural residents in Ningxia: First, the implementation of "one system and three files" breaks the household registration boundary. Rural residents pay according to 40 yuan, 170 yuan and 300 yuan, while urban residents pay according to 170 yuan and 300 yuan, enjoying different reimbursement quotas; Second, enjoy the "three catalogues", unify the list of essential drugs, greatly expand the list of drugs used by rural residents, and expand the contracted hospitals and pharmacies, so that urban and rural residents can freely choose more hospitals and pharmacies they like; The third is full coverage of outpatient hospitalization. In terms of coverage, it extends from hospitalization to minor illness and serious illness, and establishes outpatient serious illness and general outpatient co-ordination. Medical insurance for urban and rural residents has achieved six unifications in terms of institutional framework, management system, policy standards, payment and settlement, information system and handling services.
At present, the number of urban and rural residents in the region has reached 4.588 million, and the participation rate has reached 97.2%. The reimbursement rate of medical institutions below the second level of basic medical insurance for urban and rural residents reached more than 70%, which was higher than the original system before integration 15%. The financial subsidy for participating in insurance was increased from 200 yuan to 300 yuan, and the central and autonomous regional governments spent 654.38+38 billion yuan for this purpose.
Wu Ping said that the financial investment in medical insurance for urban and rural residents has increased, narrowing the gap between urban and rural areas. Low-income residents in urban and rural areas have really benefited from the fact that they dare to see a doctor, become poor due to illness, and become disabled due to illness.