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职工医保资金“家庭共享”应推广普及

2017-08-21 08:22:44   中国青年网

□杨玉龙

8月16日,记者从广西南宁市例行新闻发布会上获悉,为充分发挥职工医保个人账户资金的医疗保障和家庭共济作用,减轻参保群众及家庭成员医疗费用负担,南宁市将创新扩大职工医保个人账户使用范围,职工医保个人账户余额可授权其配偶、子女、父母及配偶父母共济使用。该项职工医保“新政”将于今年10月1日起实施。(8月17日《广西日报》)

据悉,南宁市施行家人共济使用职工医保,需先由参保职工绑定具体使用人,一个账户可绑定多人,被绑定人必须参加了城乡居民医保或职工医保。绑定后,被绑定人在南宁市定点医疗机构门诊就医、住院治疗产生的由个人负担的医疗费用,可使用授权人医保卡账号余额。此外,被绑定人也可在定点零售药店购买药品、医疗器械及医用材料、消毒用品及保健食品等。

医保对我们每个人都很重要,拥有了医保就意味着看病有了最基本保障。不过,在现实生活中,常常会出现在同一个家庭里,有的人医保里的钱看病不够用,而有的人账户里的钱很多却没法将医保给家人用的情况。而这,直接导致了职工医保个人账户资金的浪费,更会增加参保家庭的医疗费用负担。

因而,职工医保卡资金“家庭共享”最大的意义,就在于能够充分激活职工医保个人账户剩余资金,减轻参保职工及家属的就医负担。人社部数据显示,截至2016年末,我国城镇职工基本医疗保险统筹基金累计结存9765亿元,个人账户积累5200亿元。事实上,让这笔“闲置”资金激活起来,职工医保卡“家庭共享”是最有效的举措。

同时,据相关人士表示,扩大职工基本医疗保险个人账户使用范围,仅是对职工个人账户支付方式进行调整,不会影响到职工医保统筹基金的安全运行,不存在医保基金支出风险的问题。也就是说,职工医保卡账户“家庭共享”,不会损坏公共利益,也不会侵害任何第三方的利益。而且,职工医保卡资金“家庭共济”在厦门、深圳、广州等地已经推广。

让医保个人账户资金活起来,一直是社会热点话题。医保结余资金在账户上沉睡,放着可惜,套现违法,让许多人备感纠结。要使医保卡结余资金不继续沉睡,首先应考虑的是让家庭成员医保资金实现“共享”。当然,这其中最重要的是,各地能够因地制宜,将职工医保卡资金“家庭共享”这一惠民举措通过建章立制的方式确定下来。

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