活力电脑
发表于 2024-5-11 17:03:29
事关医保！官方最新回应
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pics.app.cnyw.net/static/publish/css/style.css?v=1605251010503" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=1605251010503"><!-- 付费贴--> <div class="preview_article "> <!----> <p class="empty_paragraph" style="outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; text-wrap: wrap; background-color: #ffffff; color: #333333; letter-spacing: normal; font-size: 16px; visibility: visible; margin-bottom: 0px;"> </p><section><section><section></section><section><section><p style="text-indent: 2em;"><span style="font-size: 16px; color: #000000;">医保卡里的钱能不能给亲人买药？如何办理“家庭共济”？不使用本人的医保卡就诊有什么后果？近日，针对网友提出的疑问，国家医保局进行了回答↓↓↓</span></p><p style="text-indent: 2em;"> </p></section><section style="margin-bottom: unset;"><section style="margin-top: 10px; margin-bottom: 10px; text-align: right;"><section style="display: flex; justify-content: flex-start; align-items: flex-start; margin-bottom: unset;"><section style="background-color: #4e9dfd; margin-bottom: unset; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><section style="font-size: 18px; color: #ffffff; padding: 3px 10px; margin-bottom: unset;"><p><strong>问</strong></p></section></section><section style="margin-left: -12px; margin-top: 12px; margin-bottom: unset;"><section style="background-color: #ecf5ff; margin-bottom: unset;"><section style="padding: 4px 20px 4px 25px; color: #4e9dfd; letter-spacing: 2px; font-size: 18px; margin-bottom: unset;"><p style="text-align: justify;"><span style="color: #007aaa; font-size: 16px;"><strong style="letter-spacing: 0.578px; text-wrap: wrap;">医保卡里的钱可以给家人用吗？</strong></span></p></section></section></section></section><section style="margin-top: 10px; background-color: #4e9dfd; display: inline-block; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><section style="font-size: 18px; color: #ffffff; padding: 3px 10px; margin-bottom: unset;"><p><strong>答</strong></p></section></section><section style="background-color: #ecf5ff; margin-right: 12px; margin-top: -20px; margin-bottom: unset;"><section style="padding: 20px 14px; margin-bottom: unset;"><section style="color: #323232; letter-spacing: 2px; font-size: 16px; line-height: 1.75em; text-align: justify; margin-bottom: unset; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><section style="letter-spacing: 0.578px; text-wrap: wrap;"><p style="text-indent: 2.07224em;"><span style="color: #000000;"><strong>如果职工医保卡里的钱是指医保个人账户余额的话，这是可以的。</strong>参加了职工医保后，通过办理职工医保个人账户“家庭共济”，个人账户是可以授权给已参保的父母、配偶和子女使用的，比如用于支付合规医药费用中的个人自付部分等。</span></p></section></section></section></section></section></section><section style="margin-bottom: 24px;"></section><section style="margin-bottom: unset;"><section style="margin-top: 10px; margin-bottom: 10px; text-align: right;"><section style="display: flex; justify-content: flex-start; align-items: flex-start; margin-bottom: unset;"><section style="background-color: #4e9dfd; margin-bottom: unset; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><section style="font-size: 18px; color: #ffffff; padding: 3px 10px; margin-bottom: unset;"><p><strong>问</strong></p></section></section><section style="margin-left: -12px; margin-top: 12px; margin-bottom: unset;"><section style="background-color: #ecf5ff; margin-bottom: unset;"><section style="padding: 4px 20px 4px 25px; color: #4e9dfd; letter-spacing: 2px; font-size: 18px; margin-bottom: unset;"><p style="text-align: justify;"><span style="font-size: 16px;"><strong style="color: #007aaa; letter-spacing: 0.578px; text-wrap: wrap;">如何办理“家庭共济”？</strong></span></p></section></section></section></section><section style="margin-top: 10px; background-color: #4e9dfd; display: inline-block; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><section style="font-size: 18px; color: #ffffff; padding: 3px 10px; margin-bottom: unset;"><p><strong>答</strong></p></section></section><section style="background-color: #ecf5ff; margin-right: 12px; margin-top: -20px; margin-bottom: unset;"><section style="padding: 20px 14px; margin-bottom: unset;"><section style="color: #323232; letter-spacing: 2px; font-size: 14px; line-height: 1.75em; text-align: justify; margin-bottom: unset; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><section style="margin-bottom: 16px;"><p style="text-indent: 2.07224em; line-height: 1.6em;"><span style="letter-spacing: 0.578px; text-wrap: wrap; font-size: 16px; color: #000000;">参保人（一般是共济人）可通过<strong>国家医保服务平台App地方专区、当地医保部门微信公众号、官方网站等“职工医保个人账户家庭共济”功能模块</strong>，实现线上办理，具体途径由各统筹区医保部门向社会公开；</span></p></section><p style="text-indent: 2.07224em; line-height: 1.6em;"><span style="letter-spacing: 0.578px; text-wrap: wrap; font-size: 16px; color: #000000;">操作智能设备困难的老年人等特殊群体，也可以在线下医保大厅办理。</span></p></section></section></section></section></section><section style="margin-bottom: 24px;"></section><section style="margin-bottom: unset;"><section style="margin-top: 10px; margin-bottom: 10px; text-align: right;"><section style="display: flex; justify-content: flex-start; align-items: flex-start; margin-bottom: unset;"><section style="background-color: #4e9dfd; margin-bottom: unset; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><section style="font-size: 18px; color: #ffffff; padding: 3px 10px; margin-bottom: unset;"><p><strong>问</strong></p></section></section><section style="margin-left: -12px; margin-top: 12px; margin-bottom: unset;"><section style="background-color: #ecf5ff; margin-bottom: unset;"><section style="padding: 4px 20px 4px 25px; color: #4e9dfd; letter-spacing: 2px; font-size: 18px; margin-bottom: unset;"><p style="text-align: justify;"><span style="font-size: 16px;"><strong style="color: #007aaa; letter-spacing: 0.578px; text-wrap: wrap;">只要是家庭成员就可以使用“家庭共济”吗？</strong></span></p></section></section></section></section><section style="margin-top: 10px; background-color: #4e9dfd; display: inline-block; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><section style="font-size: 18px; color: #ffffff; padding: 3px 10px; margin-bottom: unset;"><p><strong>答</strong></p></section></section><section style="background-color: #ecf5ff; margin-right: 12px; margin-top: -20px; margin-bottom: unset;"><section style="padding: 20px 14px; margin-bottom: unset;"><section style="color: #323232; letter-spacing: 2px; font-size: 14px; line-height: 1.75em; text-align: justify; margin-bottom: unset; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><p style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 24px; text-indent: 2.07224em;"><span style="font-size: 16px; color: #000000;"><strong>只有办理了职工医保个人账户家庭共济的家庭成员才能享受个人账户家庭共济政策</strong>。</span></p><p style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 24px; text-indent: 2.07224em;"><span style="font-size: 16px; color: #000000;">职工医保参保人医保卡里的个人账户基金是可以给<strong>父母、配偶、子女</strong>使用的，但必须符合两个前提：</span></p><section><ul class="list-paddingleft-1" style="list-style-type: square; padding-left: 30px; list-style-position: outside;"><li><section style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 16px;"><span style="font-size: 16px; color: #000000;">父母、配偶、子女也参加了基本医保（包括职工医保和居民医保）；</span></section></li><li><p style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 24px;"><span style="font-size: 16px; color: #000000;">办理了职工医保个人账户家庭共济。</span></p></li></ul></section><p style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 24px; text-indent: 2.07224em;"><span style="font-size: 16px; color: #000000;">同时需要注意：</span></p><section><ul class="list-paddingleft-1" style="list-style-type: square; padding-left: 30px; list-style-position: outside;"><li><section style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 16px;"><span style="font-size: 16px; color: #000000;"><strong>家庭共济成员不包含配偶的父母</strong>；</span></section></li><li><section style="letter-spacing: 0.578px;"><span style="font-size: 16px; color: #000000;"><strong>被共济人不能享受共济人的医保报销待遇</strong>，被共济人参加职工医保的，享受职工医保的相应待遇，参加居民医保的，享受居民医保的相应待遇。</span></section></li></ul></section></section></section></section></section></section><section style="margin-bottom: 24px;"></section><section style="margin-bottom: unset;"><section style="margin-top: 10px; margin-bottom: 10px; text-align: right;"><section style="display: flex; justify-content: flex-start; align-items: flex-start; margin-bottom: unset;"><section style="background-color: #4e9dfd; margin-bottom: unset; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><section style="font-size: 18px; color: #ffffff; padding: 3px 10px; margin-bottom: unset;"><p><strong>问</strong></p></section></section><section style="margin-left: -12px; margin-top: 12px; margin-bottom: unset;"><section style="background-color: #ecf5ff; margin-bottom: unset;"><section style="padding: 4px 20px 4px 25px; color: #4e9dfd; letter-spacing: 2px; font-size: 18px; margin-bottom: unset;"><section style="letter-spacing: 0.578px; text-wrap: wrap; text-align: justify;"><span style="color: #007aaa; font-size: 16px;"><strong>办理“家庭共济”后，就医购药应该使用谁的医保卡？</strong></span></section></section></section></section></section><section style="margin-top: 10px; background-color: #4e9dfd; display: inline-block; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><section style="font-size: 18px; color: #ffffff; padding: 3px 10px; margin-bottom: unset;"><p><strong>答</strong></p></section></section><section style="background-color: #ecf5ff; margin-right: 12px; margin-top: -20px; margin-bottom: unset;"><section style="padding: 20px 14px; margin-bottom: unset;"><section style="color: #323232; letter-spacing: 2px; font-size: 14px; line-height: 1.75em; text-align: justify; margin-bottom: unset; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><p style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 24px; text-indent: 2.07224em;"><span style="font-size: 16px; color: #000000;">无论在任何情况下，<strong>就医购药都必须使用患者本人的医保卡</strong>。家庭共济政策“共济”的是职工医保参保人医保卡个人账户的钱，而非医保卡本身。</span></p><p style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 24px; text-indent: 2.07224em;"><span style="font-size: 16px; color: #000000;">医保遵循的原则是“本人参保，本人享受待遇”。家庭共济后该原则不变，参保人依然用自己的医保卡看病就医，按规定享受本人的医保待遇。</span></p><section style="letter-spacing: 0.578px; text-wrap: wrap;"><p style="text-indent: 2.07224em;"><span style="font-size: 16px; color: #000000;">通俗理解，<strong>钱可以共济，卡不能共用</strong>。</span></p></section></section></section></section></section></section><section style="margin-bottom: 24px;"></section><section style="margin-bottom: unset;"><section style="margin-top: 10px; margin-bottom: 10px; text-align: right;"><section style="display: flex; justify-content: flex-start; align-items: flex-start; margin-bottom: unset;"><section style="background-color: #4e9dfd; margin-bottom: unset; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><section style="font-size: 18px; color: #ffffff; padding: 3px 10px; margin-bottom: unset;"><p><strong>问</strong></p></section></section><section style="margin-left: -12px; margin-top: 12px; margin-bottom: unset;"><section style="background-color: #ecf5ff; margin-bottom: unset;"><section style="padding: 4px 20px 4px 25px; color: #4e9dfd; letter-spacing: 2px; font-size: 18px; margin-bottom: unset;"><section style="letter-spacing: 0.578px; text-wrap: wrap; text-align: justify;"><span style="color: #007aaa; font-size: 16px;"><strong>不使用本人的医保卡就诊会有什么后果？</strong></span></section></section></section></section></section><section style="margin-top: 10px; background-color: #4e9dfd; display: inline-block; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><section style="font-size: 18px; color: #ffffff; padding: 3px 10px; margin-bottom: unset;"><p><strong>答</strong></p></section></section><section style="background-color: #ecf5ff; margin-right: 12px; margin-top: -20px; margin-bottom: unset;"><section style="padding: 20px 14px; margin-bottom: unset;"><section style="color: #323232; letter-spacing: 2px; font-size: 14px; line-height: 1.75em; text-align: justify; margin-bottom: unset; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><p style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 24px;"><span style="font-size: 16px; color: #000000;"><strong>不使用本人医保卡进行挂号就医是“冒名就医”，轻则暂停医疗费用联网结算，重则构成违法犯罪。</strong></span></p><p style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 24px;"><span style="font-size: 16px; color: #000000;">所谓“冒名就医”就是以非法占有为目的冒用他人医保凭证，在定点医药机构挂号就医并享受医保结算待遇，以此骗取医保基金的行为。这里面的“他人”，指的是非参保人本人的其他任何人，就包括了未按要求办理“家庭共济”的家庭成员。</span></p><p style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 24px;"><span style="font-size: 16px; color: #000000;">《医疗保障基金使用监督管理条例》第十七条明确规定：<strong>参保人员应当持本人医疗保障凭证就医、购药，并主动出示接受查验</strong>。</span></p><p style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 24px;"><span style="font-size: 16px; color: #000000;">第四十一条也明确指出：</span></p><section><ul class="list-paddingleft-1" style="list-style-type: square; padding-left: 30px; list-style-position: outside;"><li><p style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 16px; margin-top: 16px;"><span style="font-size: 16px; color: #000000;">将本人的医疗保障凭证交由他人冒名使用，造成医疗保障基金损失的，责令退回；</span></p></li><li><section style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 16px;"><span style="font-size: 16px; color: #000000;">属于参保人员的，暂停其医疗费用联网结算3个月至12个月；</span></section></li><li><section style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 16px;"><span style="font-size: 16px; color: #000000;">使用他人医疗保障凭证冒名就医、购药，造成医疗基金损失的，还应当处以骗取金额2倍以上5倍以下的罚款。</span></section></li></ul></section><section style="letter-spacing: 0.578px; text-wrap: wrap;"><p style="text-indent: 2.07224em;"><span style="font-size: 16px; color: #000000;"><strong>如涉及金额较大、情节严重，还会构成诈骗罪。</strong></span></p></section></section></section></section></section></section><section style="margin-bottom: 24px;"></section><section style="margin-bottom: unset;"><section style="margin-top: 10px; margin-bottom: 10px; text-align: right;"><section style="display: flex; justify-content: flex-start; align-items: flex-start; margin-bottom: unset;"><section style="background-color: #4e9dfd; margin-bottom: unset; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><section style="font-size: 18px; color: #ffffff; padding: 3px 10px; margin-bottom: unset;"><p><strong>问</strong></p></section></section><section style="margin-left: -12px; margin-top: 12px; margin-bottom: unset;"><section style="background-color: #ecf5ff; margin-bottom: unset;"><section style="padding: 4px 20px 4px 25px; color: #4e9dfd; letter-spacing: 2px; font-size: 18px; margin-bottom: unset;"><section style="letter-spacing: 0.578px; text-wrap: wrap; text-align: justify;"><span style="color: #007aaa; font-size: 16px;"><strong>家里的老人行动不便，子女可以帮他们代买药吗？</strong></span></section></section></section></section></section><section style="margin-top: 10px; background-color: #4e9dfd; display: inline-block; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><section style="font-size: 18px; color: #ffffff; padding: 3px 10px; margin-bottom: unset;"><p><strong>答</strong></p></section></section><section style="background-color: #ecf5ff; margin-right: 12px; margin-top: -20px; margin-bottom: unset;"><section style="padding: 20px 14px; margin-bottom: unset;"><section style="color: #323232; letter-spacing: 2px; font-size: 14px; line-height: 1.75em; text-align: justify; margin-bottom: unset; transform: rotateZ(0deg); -webkit-transform: rotateZ(0deg); -moz-transform: rotateZ(0deg); -o-transform: rotateZ(0deg);"><section style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 24px;"><p style="text-indent: 2.07224em;"><span style="font-size: 16px; color: #000000;">可以。《医疗保障基金使用监督管理条例》第十七条第二款明确规定：<strong>因特殊原因需要委托他人代为购药的，应当提供委托人和受托人的身份证明</strong>。</span></p></section><section style="letter-spacing: 0.578px; text-wrap: wrap; margin-bottom: 24px;"><p style="text-indent: 2.07224em;"><span style="font-size: 16px; color: #000000;">因此，在老人行动不便等特殊情况下，子女可以代为购药。但在购药时需要使用服药者本人的医保卡，并出示委托人和受托人的身份证明。</span></p></section><p style="letter-spacing: 0.578px; text-wrap: wrap; text-indent: 2.07224em;"><span style="font-size: 16px; color: #000000;">切记：<strong>职工医保的个人账户的钱可以共济，但任何人的医保卡都不能共用。</strong></span></p></section></section></section></section></section><section style="margin-bottom: 24px;"></section><section style="outline: 0px; letter-spacing: 0.544px; text-wrap: wrap; background-color: #ffffff; color: #333333; text-align: left; min-height: 1em; visibility: visible; font-family: -apple-system-font, system-ui, Arial, sans-serif;"><section style="outline: 0px; visibility: visible;"><section style="outline: 0px; letter-spacing: 0.544px; min-height: 1em; visibility: visible;"><section style="outline: 0px; visibility: visible;"><p style="margin-top: 8px; outline: 0px; line-height: 1.6em; letter-spacing: normal; font-family: system-ui, -apple-system, Arial, sans-serif;"> </p></section></section></section></section></section></section></section><section style="margin-bottom: 0px; outline: 0px; letter-spacing: 0.544px; color: #333333; font-size: 16px; vertical-align: inherit; background-color: #ffffff; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; visibility: visible;"><section style="outline: 0px; letter-spacing: 0.544px; vertical-align: inherit; visibility: visible;"><section style="outline: 0px; letter-spacing: 0.544px; vertical-align: inherit; visibility: visible;"><section style="outline: 0px; letter-spacing: 0.544px; vertical-align: inherit; visibility: visible;"><section><p style="margin-bottom: 0px; color: #333333; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; font-size: 16px; letter-spacing: 0.544px; text-wrap: wrap; background-color: #ffffff; outline: 0px; vertical-align: inherit; visibility: visible;"><span style="outline: 0px; letter-spacing: 0.544px; font-size: 14px; color: #888888; visibility: visible;"><span style="color: #888888; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; font-size: 14px; letter-spacing: 0.544px; text-wrap: wrap; background-color: #ffffff;">来源<span style="color: #888888; font-family: -apple-system-font, BlinkMacSystemFont, Arial, sans-serif; font-size: 14px; letter-spacing: 0.544px; text-wrap: wrap; background-color: #ffffff;"> | 国家医保局 央视新闻</span></span></span></p></section></section></section></section></section><p style="display: none;"> </p> <!----></div>
248967768
发表于 2024-5-11 17:39:21
好好好
建平王
发表于 2024-5-11 17:59:24
知道了
人生如梦，凤山
发表于 2024-5-11 19:27:49
管到俺他们口袋里的代金卷了。主要还因为是代金卷，所以可以管（毕竟不是现金）。
建材
发表于 2024-5-11 21:24:06
好好回家
微之路
发表于 2024-5-11 22:22:16
路过
满仓
发表于 2024-5-11 23:34:37
路过
54xiaobei
发表于 2024-5-12 00:56:17
真不错
回头一笑
发表于 2024-5-12 01:36:06
知道
心不在焉矣
发表于 2024-5-12 02:54:22
知道了