When a patient is hospitalized, the doctor first asks the patient or his family whether there is an agricultural cooperative or insurance.
Some people may not understand or even misunderstand the doctor's practice. They think doctors are too poor to love the rich. Look at the family's financial ability first, and then give you treatment.
Practice has proved that this idea is wrong.
In 20 18, my mother-in-law went to the county hospital for examination due to illness. The doctor found suspected cancer after examination and needed to go to a big hospital for further examination and treatment. Since we have never experienced such a thing, we asked the doctor, "Which big hospital is better for such a condition?" The doctor asked, "Does she have a farm cooperative or does she have insurance?"
We said, "No."
The doctor asked again, "What about your family conditions?"
We added, "The conditions at home are not very good. My mother-in-law is still a farmer and doesn't have much money. "
Hearing this, the doctor said, "In that case, I suggest you go to the city hospital for treatment and hospitalization. There is no need to go to some big hospitals such as Beijing and Shanghai. "
According to the doctor's advice, we took our mother-in-law to the city hospital for examination and treatment. Finally, the doctor in the city hospital checked that my mother-in-law was diagnosed with esophageal cancer and needed hospitalization, so we went through the hospitalization procedures.
When talking about how to treat and the treatment plan.
The doctor asked us, "Does she have a farm cooperative or insurance?"
We said, "No."
The doctor asked again, "What about your family conditions?"
We added, "The conditions at home are not very good. My mother-in-law is still a farmer and doesn't have much money. "
It is the doctors in the city hospital who ask what the doctors in our county hospital ask, and we all answer truthfully. Hearing this, the doctor said, "I see. Well, then, we will try our best to treat it. " After that, the doctor arranged for the patient to stay.
After I settled my mother-in-law, the more I thought about it, the more wrong it was. There have been several questions in my mind.
Why do doctors always ask if there is a rural cooperative? Is there insurance? Do you have any money at home? The doctors in the county hospital asked so, and so did the doctors in the city hospital. Is this doctor looking at money? Patients with no money, no new rural cooperative medical system and no insurance should die? Shouldn't we treat them?
The more I think about it, the less I understand. The more you think about it, the bigger the problem. Do you think this doctor cares too much about money? The same patient, if the family has money, does the doctor want to get some benefits and ask for a red envelope or something? If there is no money at home, the doctor will not get benefits, will it be bad for the patient?
"No, it is wrong for doctors to have such ideas and questions. I must ask them face to face and point them out. " From the point of view of the fair public, I think so.
So I went to the doctor and asked them as an "anti-corruption fighter": "Doctor, we are here to see a doctor. Don't ask about your illness, ask if there is a rural cooperative? Is there insurance? Do you have money at home? What do you mean? Do you look down on the poor? Is it because the patient has no money at home and can't get much economic benefits, so he can't treat the patient well? "
When the doctor saw my posture, he probably thought I was annoying, so he smiled and told me to sit down and said, "Don't get excited, let me explain slowly. Your mother-in-law was diagnosed with this disease. As you know, there is no effective treatment for cancer at present, but there are many treatments to choose from. Some treatment schemes are expensive, while others are cheap, so it all depends on the patient's family affordability and specific illness. If the patient has insurance or rural cooperation, the expenses can be reimbursed, and you can choose a more expensive treatment plan. However, if the patient has no insurance or poor family conditions, then we should choose some affordable treatment programs, that is, we will not use some imported drugs and expensive new drugs. However, we will choose the treatment plan that is most suitable for patients. "
"Is it an expensive treatment plan that can cure the disease?" I asked.
"This is not necessarily because expensive treatment is not necessarily the best treatment. It is better to use some expensive drugs or imported drugs, but no one can guarantee that it will be cured. Relatively speaking, the use of some common drugs does not necessarily mean ineffectiveness, which depends on the patient's family affordability. If the patient's family is weak, instead of using some expensive drugs, it will only increase the family burden of the patient's family. Therefore, when we make a diagnosis and treatment plan, we should first ask about your family situation, and then make a feasible treatment plan according to the specific situation of the patient. This is a sign of responsibility to you. Don't get me wrong. "
After listening to the doctor's explanation, I suddenly realized that I felt very guilty about my abrupt performance. Said, "So that's it! Thank you, doctor. "
The doctor also smiled and said, "Nothing, the doctor is kind. As a doctor, no matter what?" We all want to cure the patient. Please trust us and understand us. "
I held my fist and said, "Thank you, having you is enough."
So through this incident, I learned that doctors asked patients if they had rural cooperation or insurance. I see. If I don't say it, maybe other unknown people will misunderstand like me.
The existence of agricultural cooperation and insurance does help and support people's health. If the patient has agricultural cooperation and insurance, then he has a certain economic ability to pay, so no matter whether it is treatment or medication, he can be treated without scruple. If the patient has no rural cooperative insurance and no financial ability, then he has scruples about the treatment of the patient. Sometimes a patient's illness is not cured, but he owes a lot of debts, which is not good for his family.
Therefore, it is very important for doctors to have agricultural cooperation or insurance, and it should also be very important for patients. Everyone should join a rural cooperative in peacetime and, if possible, buy a health insurance. In this way, when you are sick, you can be financially secure, and you can confidently say to the doctor: there are both agricultural cooperatives and insurance!
What is agricultural cooperation? What is the reimbursement ratio of rural cooperatives?
The rural cooperative medical system, also known as the new rural cooperative medical system, has been incorporated into the medical insurance for urban and rural residents, that is, individuals pay a small amount of fees and the government gives certain subsidies. When an individual is sick, he will reimburse the medical expenses, effectively reducing the burden of the patient's medical expenses, so that everyone can afford it.
According to the relevant regulations, the reimbursement ratio of the new rural cooperative medical system and outpatient service is generally 60%~70% of the actual medical expenses, and the highest reimbursement can be made to 700 yuan every year.
The reimbursement rate of hospitalization medical expenses is generally between 90% and 55%.
In other words, as long as you participate in the new rural cooperative medical system, you can reimburse more than half of the actual expenses because of illness, and you can only bear a small part of the expenses yourself. This greatly reduces the economic burden of patients and is a good thing for the benefit of the country and the people.
Medical insurance has many advantages.
When it comes to insurance, many people may feel a little emotional. However, medical insurance is indeed a necessary insurance, and the benefits of participating in medical insurance are many.
Natural and man-made disasters happen from time to time, and people will inevitably have headaches, fever, colds and hospitalization in this life. Therefore, if you buy a medical insurance, people will have a fortune, and insurance will help. It is also a good choice to buy a medical and health insurance.
Some medical insurance coverage can reach several million yuan, which provides a strong economic guarantee for patients to be hospitalized after illness.
Although some people participate in the new rural cooperative medical system or have other old-age insurance, the new rural cooperative medical system can only reimburse some expenses, not all. Some expenses are still borne by patients themselves, but with medical insurance, it is different. Medical insurance is the expenses that the new rural cooperative medical system does not reimburse, that is, the part borne by individuals, all of which are compensated by insurance companies.
In this way, patients can get the best medical care and services without spending a penny to treat diseases.
With medical insurance, doctors will not care about the problems that patients can't afford, they just need to come up with the best treatment plan.
Therefore, I suggest you join rural cooperatives and buy a health insurance if necessary. When the patient was in hospital, the doctor asked if there was insurance and agricultural cooperation. If the patient answers that there is not only rural cooperative medical insurance, but also 5 million medical insurance, then I believe the doctor will be very happy, at least not worried about the cost, and will choose a feasible and best treatment plan. This is good for patients and hospitals.
Don't you think?