Why are some medical insurances 220 and some 250? How do I use the medical insurance that I pay 250 per year?

Why is the medical insurance premium 220 yuan in some places and 250 yuan in others? Not only that, in some places, it is still 280 yuan. Different measures are taken according to local conditions regarding the annual medical insurance payment. Therefore, the amount of money you need to pay in your city is not uniform. So, how to use the medical insurance that pays 250 yuan a year? Let's take a look!

Why is some medical insurance 220 and some 250?

Medical insurance is a municipal-level plan, and the amount of medical insurance expenditure varies greatly, especially because the financial strength of different places varies, so the government part is not the same, so in this case, the individual payment part is naturally not unified.

Overall, the amount of personal contributions to urban and rural residents' medical insurance has indeed been on an upward trend in recent years.

For specific local policies, please inquire directly with the local social security agency, or call 12333 during working hours or consult directly with the charging agency

How to use the medical insurance that costs 250 yuan per year

1. What we teach is generally the residents’ medical insurance, so this money is within one year, and if you are hospitalized, it can be reimbursed.

2. Therefore, after receiving the notice, we can pay money through the Internet or through our community to handle this year's social security. This is very important because for unemployed people, resident medical insurance is the most basic.

3. Unlike employee medical insurance, employee medical insurance requires monthly payment, both by the company and the individual, so part of the money is in your medical insurance card and can be used to buy medicine. However, after paying for resident medical insurance, there is no such part, which is mainly used for hospitalization reimbursement. Most regions have such policies, but there are also regions where the money paid by resident medical insurance can also be used to buy medicine in designated hospitals, so we have to look at it according to local policies.

4. However, due to different policies, we have seen that in some areas, the money you pay for the resident medical insurance, such as the area where we live, is 150 yuan to get medicine at designated hospitals, but if it exceeds 150, you have to pay for it yourself. There is only such a high amount each year. But in fact, many people don’t know and don’t use it, because it is really hard to find, and you have to ask the relevant hospitals, and the medicines can only be covered by medical insurance.

5. If you are hospitalized due to illness, as long as you have paid for the resident medical insurance, you can go to the medical insurance department of the hospital to handle it when you are hospitalized. When you are discharged from the hospital, the money you need to pay will be automatically deducted after reimbursement. It is very convenient now.

When should I pay the 250 yuan annual medical insurance?

The individual payment standard for basic medical insurance for urban and rural residents in 2020 is 250 yuan per person per year (newly insured persons should bring their ID card or household registration booklet to the convenience service hall of Xijiao Sub-district Office to enter their information, and then pay the fees at the bank. Newborns need to pay medical insurance fees for both 2020 and 2021).

Payment period: September 1, 2020 - December 20, 2021. (If you fail to pay within the deadline, you will be responsible for the consequences)

What is the use of paying 250 a year for medical insurance?

The 250 yuan per year refers to the resident medical insurance or the New Rural Cooperative Medical Insurance, which is a medical insurance provided by the state to residents. As long as you are hospitalized, you can be reimbursed in proportion, regardless of the type of disease, but there is a deductible and a cap for reimbursement, which is also reimbursed in proportion to the cost, not in full. Moreover, not all drugs can be reimbursed, only Class A drugs can be fully reimbursed, and Class B drugs can be partially reimbursed, so you still have to bear the cost of the self-paid part.