宁夏上线“医惠保” 再添“医保防线”|欧洲美女与动交ZoZ0z喝奶水
中新网银川10月28日电 (李佩珊 裴媛)记者28日从宁夏医疗保障局获悉,为解决基本医保、大病报销后的高额费用问题,宁夏上线首个定制型商业补充医疗保险“医惠保”,实行“基本医保、补充医保、商业保险、医疗救助、慈善互助”同步结算,进一步减轻民众医疗费用负担,让“暖心医保”温暖千家万户。
“十四五”期间,宁夏出台《关于健全重特大疾病医疗保险和救助制度的实施意见》,优化完善医保帮扶政策,建立健全防范化解因病致贫返贫长效机制,不断巩固拓展“基本医疗有保障”成果。
据悉,宁夏对特殊困难群体实行分类资助、动态参保政策,有效发挥医保在脱贫攻坚、乡村振兴中的兜底保障作用。以2025年为例,宁夏对城乡特困人员、孤儿、二级以上重残人员、无职工医保的离休干部遗孀全额补助400元,个人不缴费;对享受国家定期抚恤补助的优抚对象、高龄低收入老年人、低保对象、监测户定额补助320元,个人缴费80元;对三级中度残疾人员定额补助280元,个人缴费120元;对未纳入乡村振兴部门监测范围的已脱贫人口定额补助180元,个人缴费220元。
同时,宁夏在积极完善基本医保普惠保障政策的基础上,不断健全重特大疾病医疗保险和救助制度,通过分层分类救助,显著减轻困难民众医疗费用负担。目前,宁夏对特困人员、孤儿实行100%救助,对低保对象、易返贫致贫人口按80%比例救助,对其他困难群体按70%比例救助,年度救助限额最高16万元。对三重保障后个人负担仍然较重的患者,宁夏再按30%比例予以“二次救助”,且不设封顶线,有效防范因病致贫返贫风险。今年1月至9月,宁夏医疗救助88.4万人次,基金支出3.86亿元。
此外,宁夏还建立了高额医疗费用支出预警监测机制,各级医保部门依托医保信息平台,按月筛查个人自付费用超过2万元或超过当地农民人均可支配收入2倍的人员,及时将信息推送给农业农村、民政等相关部门及乡镇,精准识别救助对象,动态纳入帮扶范围,落实医疗救助、临时救助等措施,不让他们陷入困境。今年以来,通过推送预警数据,宁夏新纳入监测对象1490人、已脱贫户214人、低保对象517人。(完)
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