医保个人账户跨省共济，将全国推行！
<p style="text-indent: 2em;"><span leaf="" mpa-font-style="mk6ibki8h9p" style="font-size: 18px;" data-mpa-action-id="mk6ibkip2364">国家医保局会同财政部1月9日发布《关于做好职工基本医疗保险个人账户跨省共济工作的通知》，进一步优化个人账户共济政策，打破地域限制，强化家庭互助功能，<span textstyle="" style="font-weight: bold;">将职工基本医疗保险个人账户共济范围从省内拓展至全国。</span></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><br/></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;font-weight: normal;">通知明确，跨省共济的</span><span textstyle="" style="font-size: 18px;font-weight: bold;">适用对象范围为职工基本医疗保险参保人的近亲属。</span><span textstyle="" style="font-size: 18px;font-weight: normal;">共济关系可由双方自愿建立或解除，参保人医保关系变动时该关系自动解除，且一人可与多人互建共济关系。</span></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><br/></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;font-weight: normal;">共济资金</span><span textstyle="" style="font-size: 18px;font-weight: bold;">可用于支付被共济人就医购药的个人负担费用、居民医保及长期护理保险个人缴费。</span><span textstyle="" style="font-size: 18px;">在共济额度内，共济人不能再使用该额度的个人账户资金。关系解除后未使用额度返还共济人账户。</span></span></p><p></p><section><span leaf="" style="color:rgba(0, 0, 0, 0.9);font-size:17px;font-family:mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height:1.6;letter-spacing:0.034em;font-style:normal;font-weight:normal;"><br/></span></section><p></p><p style="text-align: center;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 18px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;" mpa-font-style="mk6hvf45j5c" data-mpa-action-id="mk6hvf4l1h5e"><span textstyle="" style="color: rgb(0, 122, 170);font-weight: bold;">医保个人账户跨省共济</span></span></p><p style="text-align: center;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 18px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;" mpa-font-style="mk6hvf45j5c" data-mpa-action-id="mk6hvf4l1h5e"><span textstyle="" style="color: rgb(0, 122, 170);font-weight: bold;">怎么用？有哪些利好？解读来了</span></span></p><p><span leaf="" style="color:rgba(0, 0, 0, 0.9);font-size:17px;font-family:mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height:1.6;letter-spacing:0.034em;font-style:normal;font-weight:normal;"><br/></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;">国家医保局会同财政部近日印发《国家医保局 财政部关于做好职工基本医疗保险个人账户跨省共济工作的通知》。国家医保局有关负责人对此进行了解读。</span></span></p><p><span leaf="" style="color:rgba(0, 0, 0, 0.9);font-size:17px;font-family:mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height:1.6;letter-spacing:0.034em;font-style:normal;font-weight:normal;"><br/></span></p><p style="text-align: center;"><strong><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;background-color: rgb(0, 122, 170);color: rgb(255, 255, 255);font-weight: bold;"> 为什么要出台《通知》？</span></span></strong></p><p style="text-align: center;"><strong><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><br/></span></strong></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;">中央相关文件提出要健全职工医保个人账户的共济使用功能。前期，国家医保局指导各省开展职工基本医疗保险个人账户省内共济已彰显成效，</span></span><strong><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;">5年来累计共济超7.8亿人次，金额超1000亿元。</span></span></strong><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;">同时，指导试点省市探索开展跨省共济，337个统筹地区开通医保钱包并实现跨省共济。</span></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><br/></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;">在总结前期经验的基础上，为解决群众跨省共济的需求，减轻群众医疗费用负担，进一步优化跨省共济政策，实现更大范围的共济，让群众更加高效、便捷地享受跨省共济的改革红利，国家医保局会同财政部印发了《通知》。</span></span></p><p><span leaf="" style="color:rgba(0, 0, 0, 0.9);font-size:17px;font-family:mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height:1.6;letter-spacing:0.034em;font-style:normal;font-weight:normal;"><br/></span></p><p style="text-align: center;"><strong><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;background-color: rgb(0, 122, 170);color: rgb(255, 255, 255);font-weight: bold;">《通知》的主要内容是什么？</span></span></strong></p><p style="text-align: center;"><strong><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><br/></span></strong></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;">一是加强跨省共济关系的管理。</span><span textstyle="" style="font-size: 18px;font-weight: bold;">明确</span></span><strong><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;font-weight: bold;">跨省共济的</span></span></strong><strong><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;font-weight: bold;">适用对象范围为职工基本医疗保险参保人的近亲属。</span></span></strong><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;">共济关系可由双方自愿建立或解除，参保人医保关系变动时该关系自动解除，且一人可与多人互建共济关系。</span></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><br/></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;">二是明确跨省共济资金的使用范围。</span></span><strong><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;font-weight: bold;">共济资金可用于支付被共济人就医购药的个人负担费用、居民医保及长期护理保险个人缴费。</span></span></strong><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;">在共济额度内，共济人不能再使用该额度的个人账户资金。关系解除后未使用额度返还共济人账户。</span></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><br/></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;">三是开展跨省共济资金清算的管理。个人账户跨省共济产生的费用按月全额清算，参照跨省异地就医清算流程，由国家统一清分、省市分级清算，可依托预付金保障清算时效，资金规模动态调整。</span></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><br/></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;">四是强调做好共济工作的要求。各级医保、财政部门需加强组织领导与协同监管，完善信息系统对接以实现业务、资金、信息流一体化，同时做好政策宣传解读，提升群众获得感。</span></span></p><p><span leaf="" style="color:rgba(0, 0, 0, 0.9);font-size:17px;font-family:mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height:1.6;letter-spacing:0.034em;font-style:normal;font-weight:normal;"><br/></span></p><p style="text-align: center;"><strong><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;background-color: rgb(0, 122, 170);color: rgb(255, 255, 255);font-weight: bold;">《通知》对群众有哪些重大利好？</span></span></strong></p><p style="text-align: center;"><strong><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><br/></span></strong></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;">《通知》进一步优化了原本的个人账户共济政策，</span></span><strong><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;">打破地域限制，强化家庭互助功能，将职工基本医疗保险个人账户共济范围从省内拓展至全国。</span></span></strong><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><br/></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><br/></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;">通过共济的方式，</span><span textstyle="" style="font-size: 18px;font-weight: bold;">职工医保个人账户里的钱不仅可以省内，还可以跨省给家人用，</span><span textstyle="" style="font-size: 18px;">将“沉睡”的个人账户资金转化为“家庭健康金”，实现职工个人账户资金按规定</span><span textstyle="" style="font-size: 18px;font-weight: bold;">支付近亲属在定点医疗机构就医发生的个人负担医疗费用，在定点零售药店购买符合规定的药品、医疗器械、医用耗材发生的个人负担费用，</span><span textstyle="" style="font-size: 18px;">以及参加城乡居民基本医疗保险、长期护理保险的个人缴费。</span></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><br/></span></p><p style="text-indent: 2em;"><span leaf="" style="color: rgba(0, 0, 0, 0.9);font-size: 17px;font-family: mp-quote, PingFang SC, system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;line-height: 1.6;letter-spacing: 0.034em;font-style: normal;font-weight: normal;"><span textstyle="" style="font-size: 18px;">跨省共济将让亲情关怀即时触及可达，群众医疗费用负担有效减轻，基金使用效率得到提高，促进制度更加公平、更可持续。</span></span></p><p style="display: none;"><mp-style-type 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