How to pay for cooperative medical care
With the continuous improvement of the national medical security system, the insurance and payment methods of cooperative medical care (basic medical insurance for urban and rural residents) have become a hot topic recently. Many people are concerned about how to complete payment and enjoy medical insurance benefits conveniently. This article will provide you with detailed answers to the payment process, precautions and frequently asked questions of cooperative medical care, and attach structured data for reference.
1. Cooperative Medical Care Payment Time
The centralized payment period for urban and rural residents' medical insurance in 2024 is usually from September to December of the previous year, but in some areas it is extended to March of the following year. Late payment may affect your benefits.
| area | Centralized payment period | Deadline for back payment |
|---|---|---|
| Beijing | 2023.9.1-2023.12.31 | 2024.1.31 |
| Shanghai | 2023.10.1-2023.12.25 | 2024.3.31 |
| Guangdong Province | 2023.9.1-2024.2.29 | 2024.6.30 |
2. Cooperative Medical Care Payment Standards
In 2024, the national individual payment standard for medical insurance for urban and rural residents is380 yuan/person/year, the financial subsidy is not less than 640 yuan. Some regions implement differentiated payment policies:
| Crowd classification | Standard payment | financial aid |
|---|---|---|
| Ordinary residents | 380 yuan | ≥640 yuan |
| Minimum living allowance object | 190 yuan | 830 yuan |
| Extremely poor people | 0 yuan | 1020 yuan |
3. Cooperative Medical Care Payment Methods
Currently, 7 mainstream payment channels have been opened across the country. The specific operations are as follows:
| Payment method | Operation steps | Applicable areas |
|---|---|---|
| WeChat payment | Urban Services→Social Security→Urban and Rural Residents Medical Insurance Payment | Nationwide |
| Alipay payment | Civic Center→Social Security→Medical Insurance Payment | Nationwide |
| Bank APP | Search for "social security payment" → enter your ID number | Bank cooperation areas |
| Offline counter | Bring your ID card to the social security agency | Nationwide |
4. Frequently Asked Questions about Payment
Q1: How can a newborn be insured?
A: Register for insurance within 90 days after birth, and the medical expenses from the date of birth can be traced back.
Q2: When will it take effect after payment?
A: If you participate in the insurance during the centralized payment period, it will take effect on January 1 of the following year; if you make additional payments, there will be a 3-month waiting period for benefits.
Q3: How can I get a refund for repeated payments?
A: Bring your ID card and payment voucher to the medical insurance agency to apply, and it will be returned within 30 working days after approval.
5. New policy changes in 2024
1.Increase in outpatient reimbursement ratio: The outpatient payment ratio in primary medical institutions generally reaches 60%-70%
2.Expansion of cross-provincial settlement: The number of hospitals that directly settle hospitalization expenses across provinces has increased to 58,000
3.Drug catalog update: 111 new drugs have been included in the scope of medical insurance reimbursement
Warm reminder: There are differences in policies across regions. It is recommended to check the latest information through the "National Medical Insurance Service Platform" APP or the local 12345 hotline. Timely participation in insurance can avoid the financial burden caused by sudden diseases and effectively protect the health of your family.
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