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所有人医保要多缴费系误读 对上班族几乎没影响

2016-01-13 10:31:45   中国新闻网

参加城乡居民医保后,他有了底气去华西医院治疗。那一次,他共花了9000多元。报账时,基本医保报销了5500多元,大病互助医疗补充保险又报了1500多元,两次报销后,个人仅负担了2000多元。

作为省内城乡医疗保险一体化的样本城市,近期成都市在完善服务制度方面又前进了一步。成都市人社局、市发改委、市财政局和市卫计委联合发布《关于做好进城落户农民等参加基本医疗保险和关系转移接续工作的通知》,放宽了转移接续的条件,为促进成都人口自由迁徙在制度层面提供了更好的保障。成都新政焦点解读转移范围

成都市内外参保对象都可以

新政针对哪些群体?华西都市报记者了解到,受到影响的群体很广泛,包括刚刚毕业入职的大学生;以前参保城乡居民医疗保险,想要转移至保障水平更高的城镇职工医疗保险的成都人;由成都之外城市跳槽到成都工作,想把以前参加的城镇职工养老保险转至成都的流动人口等。

堵漏洞

随单位参保才会放宽等待期

新政明确“已参加成都城乡居民基本医疗保险并处于待遇有效期的城乡参保人员,或毕业前已纳入城乡居民基本医疗保险保障范围的毕业年度大学生,在成都就业并建立稳定劳动关系,随用人单位参加成都市城镇职工基本医疗保险的,其城镇职工基本医疗保险待遇不受初次参保12个月待遇享受等待期的限制。”

听到这个好消息,或许你想“既然如此,我在没病时买城乡居民养老保险,等我需要住院时,赶紧以个体身份去参加城镇职工医疗保险,以便享受更好的医保待遇。”

这条路是行不通的!成都市人社局城乡医疗保险处相关负责人强调:在成都就业并建立稳定劳动关系,随用人单位参加成都市城镇职工基本医疗保险的,才不受初次参保12个月待遇享受等待期的限制。

“为何文件中要加上随用人单位参加成都市城镇职工基本医疗保险的话?就是为了堵住这种空子,防止这种道德风险。”该负责人说。

退休人员

在成都连缴15年退休不用再缴

今年,50岁的老郭将从乐山调至成都工作。他很关心,自己的医疗保险转移至成都后10年就要退休了,到时是否需要继续缴费?

对此,新的政策明确规定:对于成都市外转入成都就业,并参加成都市城镇职工基本医疗保险的人员,达到法定退休年龄的,在成都市实际缴费年限连续不间断满15年或累计满20年后,不再缴纳基本医疗费用,继续享受基本医疗保险待遇。

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