13.5亿人有医疗保险，为么还是看不起病？
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">按照</span>国家<span style="color: black;">医疗保险</span>局的统计：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">截止</span>2019年底，我国参加基本医疗保险人数达到了13.5亿，参保覆盖率95%以上。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">按这个数据计算，<span style="color: black;">医疗保险</span><span style="color: black;">能够</span>说是几乎人手一份。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">但<span style="color: black;">咱们</span>还感觉看病贵，看病难。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">平常去医院，病还没查出来，<span style="color: black;">检测</span>费就花出去大几千。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">要是真遇上严重点的<span style="color: black;">疾患</span>，花费起码得6位数起步，网上治病众筹捐钱的事情屡见不鲜。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;">
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic1.zhimg.com/v2-8b7097c576bab0a41a00240cb395ceec_b.jpg" style="width: 50%; margin-bottom: 20px;"></div>
</div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">疾患</span>可能不致命，但治病的<span style="color: black;">花费</span>可真要命。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">可<span style="color: black;">大众</span>不都是有<span style="color: black;">医疗保险</span>吗，<span style="color: black;">为何</span>还会看不起病？</p>
<h2 style="color: black; text-align: left; margin-bottom: 10px;">01 <span style="color: black;">医疗保险</span>真的<span style="color: black;">已然</span>很<span style="color: black;">奋斗</span>了</h2>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">医疗保险</span>真的<span style="color: black;">已然</span>很<span style="color: black;">奋斗</span>了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">持续</span>扩大参保人群，<span style="color: black;">加强</span>报销比例、额度，扩展社保用药目录。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">今年的<span style="color: black;">医疗保险</span>改革又<span style="color: black;">增多</span>了医院门诊报销，规定报销比例不<span style="color: black;">小于</span>50%。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">医疗保险</span>集中采购直接把心脏支架从2万元直接砍到700元……</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（<span style="color: black;">举荐</span>阅读<a style="color: black;">700元心脏支架，<span style="color: black;">医疗保险</span>“不讲武德”，爱了</a>）</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">北京<span style="color: black;">医疗保险</span>明年起<span style="color: black;">能够</span>用<span style="color: black;">医疗保险</span>电子凭证，手机扫码，<span style="color: black;">乃至</span>刷脸，就能实时结算。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">医疗保险</span>为了让<span style="color: black;">大众</span>平价看病真的<span style="color: black;">已然</span>很<span style="color: black;">奋斗</span>了！</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic4.zhimg.com/80/v2-76b4f3d6616f35e02bb23f7a7fbf79f7_720w.webp" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">然而，现实是……</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">据国家<span style="color: black;">药物</span>监督局数据<span style="color: black;">表示</span>，<span style="color: black;">日前</span>国产<span style="color: black;">药物</span>有16万多个，而被<span style="color: black;">加入</span><span style="color: black;">医疗保险</span>用药目录的，仅有2643种，98%的<span style="color: black;">药物</span>都没法用<span style="color: black;">医疗保险</span>报销。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">药品纳入<span style="color: black;">医疗保险</span>，跟能买到，又是两码事。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">按照</span>一个癌症论坛做的调查<span style="color: black;">表示</span>，504个癌症<span style="color: black;">病人</span>中，有54.9%的<span style="color: black;">病人</span><span style="color: black;">暗示</span>买不到<span style="color: black;">医疗保险</span>抗癌药，<span style="color: black;">非常多</span><span style="color: black;">病人</span>透露医院<span style="color: black;">暗示</span><span style="color: black;">基本</span>不进<span style="color: black;">医疗保险</span>抗癌药。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这<span style="color: black;">亦</span><span style="color: black;">不可</span>全怪<span style="color: black;">医疗保险</span>，<span style="color: black;">医疗保险</span>只是为了<span style="color: black;">保证</span><span style="color: black;">咱们</span>的基本医疗，实现病有所医。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">能满足普通<span style="color: black;">疾患</span><span style="color: black;">看病</span>需求就不错了，遇到大病、重病，<span style="color: black;">医疗保险</span>真的只能尽力而为。</p>
<h2 style="color: black; text-align: left; margin-bottom: 10px;">02 <span style="color: black;">医疗保险</span>“六不报” 你<span style="color: black;">晓得</span>吗？</h2>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">咱们</span>在往期<span style="color: black;">文案</span> <a style="color: black;">有了<span style="color: black;">医疗保险</span>再买医疗险，血亏？不，稳赚！</a> <span style="color: black;">已然</span>说明了<span style="color: black;">医疗保险</span>看病报销的不足。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic2.zhimg.com/80/v2-d6fdc89cbf682d6a50578e5311857209_720w.webp" style="width: 50%; margin-bottom: 20px;"></div>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">简单总结<span style="color: black;">便是</span>：下有起付线，上有封顶线，医疗有自费，报销有比例。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这么一算下来，真正能报销的<span style="color: black;">花费</span>，仅仅是在<span style="color: black;">医疗保险</span>报销范围内的<span style="color: black;">花费</span>按<span style="color: black;">必定</span>比例进行报销。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这<span style="color: black;">便是</span><span style="color: black;">医疗保险</span><span style="color: black;">第1</span>个不报：不在<span style="color: black;">医疗保险</span>规定范围内的医药费，不报！</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">除此之外，以下<span style="color: black;">状况</span><span style="color: black;">医疗保险</span>都<span style="color: black;">不可</span>报销：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（1）第三人负责承担的<span style="color: black;">花费</span>，不报 </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">咱们</span>常听<span style="color: black;">医疗保险</span><span style="color: black;">不可</span>报销交通事故的医疗费。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">由于</span>在交通事故中，<span style="color: black;">一般</span>都有事故责任人，<span style="color: black;">亦</span><span style="color: black;">便是</span>肇事者。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">受害者看病产生的<span style="color: black;">花费</span>，应该由肇事者承担，<span style="color: black;">因此</span><span style="color: black;">不可</span><span style="color: black;">经过</span>自己的<span style="color: black;">医疗保险</span>进行报销。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（2）工伤，不报 </p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">这次</span><span style="color: black;">医疗保险</span>政策改革后，工伤<span style="color: black;">不可</span>再用<span style="color: black;">医疗保险</span>进行报销，全部由工伤保险进行支付。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（3）公共卫生已<span style="color: black;">包袱</span>，不报</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">各个地区的卫生院、社区卫生服务中心<span style="color: black;">已然</span>承担的<span style="color: black;">医疗保险</span><span style="color: black;">花费</span>，医疗保险就<span style="color: black;">再也不</span>进行报销了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">（4）境外<span style="color: black;">看病</span>，不报 这个<span style="color: black;">不消</span>多说了吧，异地报销这几年才推行，更不要说境外<span style="color: black;">看病</span>了</p>
我完全赞同你的观点，思考很有深度。
页:
[1]