Farmers have the new rural cooperative medical system. Why do they say they look down on the disease?

As we all know, it is the choice of most farmers to pay for the new rural cooperative medical system if they want to be guaranteed. According to reports, the proportion of rural farmers joining the new rural cooperative medical system in China is getting higher and higher, which has exceeded 9%. This year, the registration and payment of the new rural cooperative medical system is coming to an end. In 22, the minimum payment standard is 28 yuan per person per year, which is 3 yuan more than last year.

Do you still remember that when we first started to pay for the new rural cooperative medical system, we only paid 1 yuan a year, but now it has risen to 28 yuan, and this 28 yuan is still the lowest payment standard, and in some areas it has risen to about 6 yuan per person per year. In our local area, the new rural cooperative medical system has two stalls, one is 37 yuan, and the other is 52 yuan.

for some farmers with poor families, a family of four will spend 112 yuan a year, which is not much, but it is also an expense and may not be used. Especially after the price increase of the new rural cooperative medical system in the last year or two, I often hear that I don't want to pay the new rural cooperative medical system. It's useless to pay it for so many years, and even if I do, I look down on the disease. Why is there such a voice?

First, the reimbursement rate, hospitalization still needs to bear part of it

The reimbursement rate of the new rural cooperative medical system is 5% to 7%, and it is not necessary to spend 1 yuan to reimburse 5 yuan or 7 yuan. The hospital divides drugs into three categories. Even for employees' medical insurance, only 8% can be reimbursed for Class A drugs, 6% for Class B drugs, and no reimbursement for Class C drugs. There are only over 1, kinds of Class A drugs, over 2, kinds of Class B drugs and over 16, kinds of Class C drugs. Many serious diseases, such as imported drugs and targeted drugs for the treatment of cancer, belong to Class C drugs. Therefore, even if you have medical insurance, can you afford cancer? What's worse is the new rural cooperative medical system with a relatively low reimbursement rate.

As all farmers who have paid for the new rural cooperative medical system know, there is an upper limit on the proportion of reimbursement for outpatient service of the new rural cooperative medical system. As long as they don't stay in hospital, they can't report much money, which seems to be only more than 2 yuan a year. Moreover, hospitalization reimbursement is only a part of reimbursement. If it is a minor illness such as minor surgery or a cold, the reimbursement ratio is only about 5%-7%, and the rest is still to be borne by yourself. For some families with difficulties, even this 3% is unaffordable.

Second, it is too expensive to see a doctor now. Even with medical insurance, many farmers are generally afraid to go to the hospital.

Now a common cold can cost thousands of dollars to go to the hospital to hang water. In the past, an appendicitis could be treated. The increase in medical expenses is the reason why farmers are afraid to go to the hospital casually. Ordinary ailments are solved in the village clinic, which is convenient and economical. Otherwise, if you go to the hospital, even if you reimburse part of the expenses after the examination, it will be higher than that in the ordinary clinic.

When I returned to the village a few days ago, my parents told me that the old man Zhang in the village had cancer. After going to the city for examination, he gave up treatment and went home to wait. I asked why it was not cured. There are many cancers that can be delayed for several years now. My dad said that Lao Zhang made his own decision. He is stubborn and no one can change his choice. After hearing this, I also got a general understanding. Lao Zhang knows that he can't be cured, and he can't wait for a few years at most. But if he continues to be treated, he can't live, and his children and his wife have to bear a lot of foreign debts and can't live. He is so alone that he can fulfill his children without suffering.

I also feel dejected at the thought of this. It is a big problem for farmers to look down on diseases. Even with the new rural cooperative medical system, once they have a serious illness, especially chronic diseases, compared with the high medical expenses of hospitals, their families can't afford it. This is also the reason why many farmers are unwilling to do physical examination and go to the hospital, for fear of checking out any problems and dragging down their children.

Third, the most fundamental reason for looking down on illness is the low income of farmers.

Compared with the rural elderly, the elderly in cities can enjoy better medical insurance, and more importantly, their income is high. Some pensions are as high as 8,-1, yuan a month. Compared with the pension insurance for the rural elderly, which costs more than 1 yuan a month, they can have a better old-age life, including hospital visits.

In recent years, life in rural areas has really improved a lot compared with before. No matter whether you eat or live, the pressure of life has also increased accordingly. Now, as long as the elderly in rural areas are still in good health, almost no one is idle at home, no matter how old they are, they will do some work more or less. In particular, some old people's sons are not married yet, and they still have a heavy burden on their shoulders. They read a news a few days ago. Old people in their 7 s have to work 13 hours a day for their two sons to marry their daughters-in-law. The generation born in the 195s and 196s in rural areas really broke their hearts for their children. Even if they worked hard for most of their lives, there was not much left in their hands, and they all spent money on buying a house, down payment, car purchase, decoration and marriage for their children. When they were old, they were unwilling to see a doctor if they had physical problems.

Fourth, although the new rural cooperative medical system can't solve all diseases, farmers should continue to pay

There are many questions about rural medical insurance, but do you want to ask me whether I should continue to pay? I tell you that you must pay for the new rural cooperative medical system. Although the price has been rising in recent years, most people in our village still choose the highest grade. The reason is to spend money to buy a peace of mind. The new rural cooperative medical system is also a kind of insurance, which is a policy welfare introduced by the state in consideration of the problem of rural farmers' seeing a doctor. There is no need to have a physical examination before paying the new rural cooperative medical system. Other commercial insurances are conditional, so for farmers, the new rural cooperative medical system is a more reliable choice.

Moreover, for the new rural cooperative medical system, the country is constantly improving. Compared with the increase in price, the types and proportions of reimbursement are correspondingly increased, and the types of drugs are much more than before. This year, the proportion of drugs used for chronic diseases, such as diabetes and hypertension, has been included, helping farmers solve the problem of drug use for chronic diseases. Personally, the new rural cooperative medical system is not to solve the problem of seeing a doctor, but to reduce the burden of serious illness in the family. Just as we watch the weather forecast and take an umbrella when we go out, we don't want it to rain, just for a rainy day. Don't wait until someone at home spends tens of thousands or even hundreds of thousands to see a doctor before remembering the benefits of the new rural cooperative medical system.

There are so many questions about rural farmers' medical insurance and medical treatment. In order to solve these problems, it is necessary to fundamentally make farmers rich, follow the national policy, develop new rural construction, and raise their income, so that every family can afford the disease. The medical reform will also be gradually implemented, so that the problems of expensive and difficult medical treatment will be gradually solved. In addition, I also appeal to the children here to be more considerate of their parents. Parents have devoted their lives to us, so it is very important for them to have a happy old age. Don't just seek development and make money, and spend more time with their parents when they have nothing to do.