Due to limited physical conditions, some couples are unable to achieve the purpose of giving birth through natural pregnancy, or they were previously fertile. Due to changes in physical conditions or age, it is difficult to give birth again naturally. In this case, some people can use assisted reproductive technology to achieve the purpose of rapid pregnancy.
However, the medical expenses of assisted reproductive technology are high, ranging from tens of thousands of yuan to hundreds of thousands of yuan, even hundreds of thousands of yuan. After a large amount of capital expenditure, assisted reproductive technology is not necessarily successful, which not only brings mental pressure to the parties, but also brings huge economic pressure.
In order to alleviate the economic pressure of these groups and reduce their economic burden, the National Health Insurance Bureau, together with 16 departments, issued the Guiding Opinions on Further Improving and Implementing Positive Fertility Support Measures as early as July 2022, gradually incorporating assisted reproductive technology into medical insurance reporting.
According to the news released by the National Health Insurance Bureau, four provinces and cities including Beijing, Guangxi, Gansu and Inner Mongolia have included assisted reproduction expenses in the reimbursement scope of basic medical insurance. In the future, more and more regions will follow up, and more and more people will enjoy the treatment.
Recently, Qinghai Medical Insurance Bureau issued a new regulation on heavy medical insurance, which involves reimbursement of assisted reproduction expenses. The new regulation does not set up outpatient minimum payment standards and maximum payment limits. It will be implemented on June 1. Let's have a look.
Basic information on the number of medical insurance participants in Qinghai
According to the data of Qinghai Provincial Statistical Bulletin on National Economic and Social Development in 2022, by the end of 2023, there will be 5.95 million permanent residents, 5.7047 million people participating in basic medical insurance, including 1.1821 million urban employees and 4.5226 million urban and rural residents. In addition, 713000 people participated in maternity insurance.
Qinghai Releases New Medical Insurance Rules
For couples who are unable to have a child naturally, assisted reproductive technology is the best way to realize their dream of having a child, but the high medical costs have discouraged many people.
However, now a good news has come that another province has included assisted reproduction expenses in the medical insurance reimbursement. Both those who participate in the basic medical insurance for urban employees and those who participate in the basic medical insurance for urban and rural residents can enjoy this new medical insurance treatment.
Recently, the Qinghai Provincial Health Insurance Bureau and the Health Commission jointly issued the Notice on Including Some Therapeutic Assisted Reproductive Medical Services in the Payment Scope of Basic Medical Insurance, which clearly defined that from June 1, 2024, assisted reproductive expenses will be included in the reimbursement scope of basic medical insurance, and there are three highlights.
The first highlight: 9 items of assisted reproduction expenses are included in medical insurance reimbursement
Nine therapeutic assisted reproductive medical services such as "egg retrieval" were included in the payment scope of the basic medical insurance fund, and were managed as class B items in the outpatient department.
According to the new regulations, the outpatient fee for egg retrieval in a tertiary hospital is 2500 yuan per time, which can be reimbursed from June this year.
See the following figure for details of 9 expenses that can be reimbursed.
The second highlight is that there is no minimum fund payment standard
When the insured personnel enjoy the treatment in outpatient service, they are worried that it will affect the treatment in other outpatient services. After all, the treatment in outpatient service has expense limits and maximum reimbursement limits.
However, Qinghai stipulates that the auxiliary reproductive expenses shall be paid separately, which does not occupy the overall payment limit of general outpatient services and does not set a minimum fund payment standard. This is undoubtedly a major benefit.
The third highlight, no outpatient maximum payment limit
The general outpatient service usually has an annual maximum reimbursement amount. For example, the maximum amount of a province or city in 2024 is 1800 yuan, which means that the maximum payment of the pooling fund in 2024 is 1800 yuan. If this amount is exceeded, the reimbursement cannot be made.
No maximum payment limit for outpatient service means that the medical insurance burden of the insured is greatly reduced.
In addition, the proportion of outpatient expenses paid as a whole is disbursed from the medical insurance fund for urban employees and the medical insurance fund for urban and rural residents.
The above is the content of the new medical insurance regulations issued by Qinghai. It is very practical and can actually reduce the medical insurance burden of the insured. The new regulations will be implemented from June 1, 2024.
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