m5k1umn 发表于 2024-6-28 16:49:34

关注 | 医疗保险卡里的钱能够给亲人买药吗？国家医疗保险局最新回复！


    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（<span style="color: black;">源自</span>：镇安政务）</p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">医疗保险</span>卡里的钱能<span style="color: black;">不可</span>给家人用？</strong></span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">怎样</span>办理“家庭共济”？</strong></span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">关于<span style="color: black;">医疗保险</span>卡<span style="color: black;">运用</span>的</p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">有些</span>网友关注的问题，</p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">5月8日，</p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">国家<span style="color: black;">医疗保险</span>局进行了梳理回答，</p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">一块</span>来<span style="color: black;">认识</span><span style="color: black;">详细</span>内容：</p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">↓↓↓</p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">“我<span style="color: black;">医疗保险</span>卡里的钱<span style="color: black;">能够</span>给家人用吗？”</strong></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">参加了职工<span style="color: black;">医疗保险</span>后，</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">经过</span>办理职工<span style="color: black;">医疗保险</span>个人账户“家庭共济”，个人账户是<span style="color: black;">能够</span>授权给已参保的父母、配偶和子女<span style="color: black;">运用</span>的</span></strong></span><span style="color: black;">，<span style="color: black;">例如</span>用于支付合规医药<span style="color: black;">花费</span>中的个人自付部分等。</span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">举个例子，李明的儿子李小明<span style="color: black;">患病</span>了，李小明<span style="color: black;">看病</span>购药<span style="color: black;">必须</span>个人<span style="color: black;">包袱</span>100元。李明职工<span style="color: black;">医疗保险</span>个人账户里还有余额，办理家庭共济后，李小明就<span style="color: black;">能够</span><span style="color: black;">运用</span>李明职工<span style="color: black;">医疗保险</span>个人账户里的钱支付这100元，这<span style="color: black;">便是</span>家庭共济。</span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://q7.itc.cn/q_70/images03/20240510/da3bfa6090df4c64a61a667207ba1659.png" style="width: 50%; margin-bottom: 20px;"></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://q2.itc.cn/q_70/images03/20240510/217714d3d7af4671978e23a44ec5b18d.png" style="width: 50%; margin-bottom: 20px;"></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;">怎样</span>办理“家庭共济”？</strong></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">参保人（<span style="color: black;">通常</span>是共济人）可<span style="color: black;">经过</span><strong style="color: blue;"><span style="color: black;">国家医保服务平台App<span style="color: black;">地区</span>专区、当地<span style="color: black;">医疗保险</span><span style="color: black;">分部</span><span style="color: black;">微X</span>公众号、官方网站</span></strong>等“职工<span style="color: black;">医疗保险</span>个人账户家庭共济”功能模块，实现线上办理，<span style="color: black;">详细</span>途径由各<span style="color: black;">统一</span>区<span style="color: black;">医疗保险</span><span style="color: black;">分部</span>向社会公开；操作智能设备困难的老年人等特殊群体，<span style="color: black;">亦</span><span style="color: black;">能够</span>在线下<span style="color: black;">医疗保险</span>大厅办理。</p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">只要是家庭成员就<span style="color: black;">能够</span><span style="color: black;">运用</span>“家庭共济”吗？</strong></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">不是。<span style="color: black;">仅有</span>办理了职工<span style="color: black;">医疗保险</span>个人账户家庭共济的家庭成员<span style="color: black;">才可</span>享受个人账户家庭共济政策。</span></strong></span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">如，李明的妈妈、儿子和岳父都参加了职工<span style="color: black;">医疗保险</span>，<span style="color: black;">况且</span>个人账户都有余额。其中<span style="color: black;">仅有</span>他的儿子跟李明办理了家庭共济，李明只能用儿子个人账户的余额进行<span style="color: black;">花费</span>的支付。妈妈的账户<span style="color: black;">由于</span><span style="color: black;">无</span>办理职工<span style="color: black;">医疗保险</span>个人账户家庭共济<span style="color: black;">不可</span>用于共济支付。岳父不属于家庭共济成员的范畴，<span style="color: black;">不可</span>办理家庭共济。</span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">职工<span style="color: black;">医疗保险</span>参保人<span style="color: black;">医疗保险</span>卡里的个人账户基金是<span style="color: black;">能够</span>给父母、配偶、子女<span style="color: black;">运用</span>的，但<span style="color: black;">必要</span>符合两个前提：</span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">一是您的父母、配偶、子女<span style="color: black;">亦</span>参加了基本<span style="color: black;">医疗保险</span>（<span style="color: black;">包含</span>职工<span style="color: black;">医疗保险</span>和居民<span style="color: black;">医疗保险</span>）；</span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">二是您办理了职工<span style="color: black;">医疗保险</span>个人账户家庭共济。</span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">同期</span><span style="color: black;">必须</span><span style="color: black;">重视</span>：</span></strong></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">一是家庭共济成员不<span style="color: black;">包括</span>配偶的父母；二是被共济人<span style="color: black;">不可</span>享受共济人的<span style="color: black;">医疗保险</span>报销<span style="color: black;">薪水</span></span></strong></span><span style="color: black;">，即您<span style="color: black;">能够</span>把个人账户里的钱给您的父母<span style="color: black;">运用</span>，<span style="color: black;">然则</span>父母看病能报多少还是要依据<span style="color: black;">她们</span>所参加的<span style="color: black;">医疗保险</span>制度来，参加职工<span style="color: black;">医疗保险</span>的，享受职工<span style="color: black;">医疗保险</span>的相应<span style="color: black;">薪水</span>；参加居民<span style="color: black;">医疗保险</span>的，享受居民<span style="color: black;">医疗保险</span>的相应<span style="color: black;">薪水</span>。</span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://q4.itc.cn/q_70/images03/20240510/3a8cce274c644eda800137757c2bfac5.png" style="width: 50%; margin-bottom: 20px;"></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://q9.itc.cn/q_70/images03/20240510/769c1836d1fb4155ac41e11917de4a8f.png" style="width: 50%; margin-bottom: 20px;"></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">办理“家庭共济”后<span style="color: black;">看病</span>购药应该<span style="color: black;">运用</span>谁的<span style="color: black;">医疗保险</span>卡？</strong></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">没</span>论在任何<span style="color: black;">状况</span>下，<span style="color: black;">看病</span>购药都<span style="color: black;">必要</span><span style="color: black;">运用</span><span style="color: black;">病人</span><span style="color: black;">自己</span>的<span style="color: black;">医疗保险</span>卡。<strong style="color: blue;"><span style="color: black;">家庭共济政策“共济”的是职工<span style="color: black;">医疗保险</span>参保人<span style="color: black;">医疗保险</span>卡个人账户的钱，而非<span style="color: black;">医疗保险</span>卡本身。</span></strong></span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">医疗保险</span>遵循的原则是“<span style="color: black;">自己</span>参保，<span style="color: black;">自己</span>享受<span style="color: black;">薪水</span>”。家庭共济后该原则不变，参保人依然用自己的<span style="color: black;">医疗保险</span>卡看病<span style="color: black;">看病</span>，按规定享受<span style="color: black;">自己</span>的<span style="color: black;">医疗保险</span><span style="color: black;">薪水</span>。</span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">通俗点理解，<strong style="color: blue;"><span style="color: black;">钱<span style="color: black;">能够</span>共济，卡<span style="color: black;">不可</span>共用。</span></strong><span style="color: black;">这般</span>就<span style="color: black;">能够</span>减少<span style="color: black;">非常多</span>误会。</span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">不<span style="color: black;">运用</span><span style="color: black;">自己</span>的<span style="color: black;">医疗保险</span>卡就诊会有什么后果？</strong></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">不<span style="color: black;">运用</span><span style="color: black;">自己</span><span style="color: black;">医疗保险</span>卡进行挂号<span style="color: black;">看病</span>是“冒名<span style="color: black;">看病</span>”，<strong style="color: blue;"><span style="color: black;">轻则暂停医疗<span style="color: black;">花费</span>联网结算，重则<span style="color: black;">形成</span>违法犯罪</span></strong>。</span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">所说</span>“冒名<span style="color: black;">看病</span>”<span style="color: black;">便是</span>以<span style="color: black;">违法</span>占有为目的冒用他人<span style="color: black;">医疗保险</span>凭证，在<span style="color: black;">选定</span>医药<span style="color: black;">公司</span>挂号<span style="color: black;">看病</span>并享受<span style="color: black;">医疗保险</span>结算<span style="color: black;">薪水</span>，以此骗取<span style="color: black;">医疗保险</span>基金的<span style="color: black;">行径</span>。<span style="color: black;">这儿</span>面的“他人”，指的是非参保人<span style="color: black;">自己</span>的其他任何人，就<span style="color: black;">包含</span>了未按<span style="color: black;">需求</span>办理“家庭共济”的家庭成员。</span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://q4.itc.cn/q_70/images03/20240510/07860a3b70c646db84959702cea7d7b4.png" style="width: 50%; margin-bottom: 20px;"></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://q0.itc.cn/q_70/images03/20240510/d1294daf3e8d4f2eb0c646ef872dfb5b.png" style="width: 50%; margin-bottom: 20px;"></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><strong style="color: blue;">家里的老人行动<span style="color: black;">不方便</span>，子女<span style="color: black;">能够</span>帮<span style="color: black;">她们</span>代买药吗？</strong></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">能够</span>。《医疗<span style="color: black;">保证</span>基金<span style="color: black;">运用</span>监督管理条例》第十七条第二款<span style="color: black;">知道</span>规定：“因特殊<span style="color: black;">原由</span><span style="color: black;">必须</span><span style="color: black;">拜托</span>他人代为购药的，应当<span style="color: black;">供给</span><span style="color: black;">拜托</span>人和受托人的身份证明。”</span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">因此呢</span>，在老人行动<span style="color: black;">不方便</span>等特殊<span style="color: black;">状况</span>下，子女<span style="color: black;">能够</span>代为购药。但</span><span style="color: black;"><strong style="color: blue;"><span style="color: black;">在购药时<span style="color: black;">必须</span><span style="color: black;">运用</span>服药者<span style="color: black;">自己</span>的<span style="color: black;">医疗保险</span>卡，并出示<span style="color: black;">拜托</span>人和受托人的身份证明。</span></strong></span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">切记</strong></span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">职工<span style="color: black;">医疗保险</span>的个人账户的钱<span style="color: black;">能够</span>共济</strong></span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;">但任何人的<span style="color: black;">医疗保险</span>卡都<span style="color: black;">不可</span>共用！</strong></span></p>
    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">源自</span>:国家<span style="color: black;">医疗保险</span>局<a style="color: black;"><span style="color: black;">返回<span style="color: black;">外链论坛：http://www.fok120.com/</span>，查看<span style="color: black;">更加多</span></span></a></p>

    <p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">责任编辑：网友投稿</span></p>




lanbingkj 发表于 2024-8-25 03:35:25

楼主的文章非常有意义，提升了我的知识水平。

啊呀呀 发表于 2024-8-31 13:49:44

“板凳”（第三个回帖的人）‌

lanbingkj 发表于 2024-9-1 15:49:45

期待你更多的精彩评论，一起交流学习。

4lqedz 发表于 2024-11-6 17:23:19

我赞同你的看法，你的智慧让人佩服，谢谢分享。
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