2020年医疗保险目录最新诠释，抗癌药亦能报销了
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">8月20日，国家<span style="color: black;">医疗保险</span>局<span style="color: black;">颁布</span>了新版国家基本<span style="color: black;">医疗保险</span>、工伤保险和生育保险的<span style="color: black;">药物</span>目录（以下简<span style="color: black;">叫作</span>“<span style="color: black;">医疗保险</span>目录”），预计在2020年1月1日起正式实施。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这是我国自2000年<span style="color: black;">第1</span>版<span style="color: black;">药物</span>目录出台<span style="color: black;">败兴</span>对原有目录品种的<span style="color: black;">第1</span>次全面<span style="color: black;">调节</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">咱们</span>都<span style="color: black;">晓得</span>，<span style="color: black;">医疗保险</span>跟<span style="color: black;">咱们</span>看病报销<span style="color: black;">相关</span>。<span style="color: black;">没</span>论是<span style="color: black;">成人</span>还是小孩，<span style="color: black;">首要</span>应该配备的，<span style="color: black;">便是</span><span style="color: black;">医疗保险</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这次<span style="color: black;">调节</span>的<span style="color: black;">医疗保险</span>目录，简单<span style="color: black;">来讲</span>是<span style="color: black;">医疗保险</span>的保险目录，<span style="color: black;">仅有</span>在规定目录内的<span style="color: black;">花费</span><span style="color: black;">才可</span>报销。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">由于</span>这次的改动，会对<span style="color: black;">咱们</span>看病报销产生影响，<span style="color: black;">因此</span>想跟<span style="color: black;">大众</span>来聊一聊这个<span style="color: black;">专题</span>。<span style="color: black;">重点</span>内容分2个部分：</p>目录改动后，<span style="color: black;">那些</span>方面更好了？<span style="color: black;">医疗保险</span>报销有什么不足？<h2 style="color: black; text-align: left; margin-bottom: 10px;">新版的<span style="color: black;">医疗保险</span>目录，改了什么？</h2>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这次的目录<span style="color: black;">重点</span><span style="color: black;">调节</span>了3点：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、纳入好药，替换低价值药</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">跟之前相比，区别<span style="color: black;">重点</span>在于：</p>调出150种<span style="color: black;">药物</span>：接近50%是被国家药监<span style="color: black;">分部</span>撤销文号的，其他的是临床价值不高、<span style="color: black;">乱用</span><span style="color: black;">显著</span>、有更好替代的<span style="color: black;">药物</span>。新增148种<span style="color: black;">药物</span>： 覆盖了国家基本<span style="color: black;">药品</span>、癌症及罕见病等重大<span style="color: black;">疾患</span>治疗用药、慢性病用药、儿童用药等。<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>目录“更新换代”之后，<span style="color: black;">有些</span>重大<span style="color: black;">疾患</span>的看病压力能够小<span style="color: black;">有些</span>，替换进来的新<span style="color: black;">药物</span><span style="color: black;">亦</span>比之前的效果更佳。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">当然，覆盖的<span style="color: black;">药物</span>种类<span style="color: black;">亦</span>比之前要多~</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-1608c09856d976cae404a3db0ede8226_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;">2、74种基本<span style="color: black;">药品</span>可100%报销</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这次<span style="color: black;">调节</span>中，74种<span style="color: black;">药品</span>由乙类<span style="color: black;">调节</span>为甲类。甲类<span style="color: black;">药品</span>是<span style="color: black;">能够</span>100%报销的，而乙类<span style="color: black;">药品</span>只能报销<span style="color: black;">必定</span>比例。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">平常</span>的如：双黄连口服液、小儿清热感冒片等。从明年<span style="color: black;">起始</span>，这些<span style="color: black;">药品</span>都<span style="color: black;">能够</span><span style="color: black;">经过</span><span style="color: black;">医疗保险</span><span style="color: black;">所有</span>报销了。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">3、新增128种高价药</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">这些<span style="color: black;">药物</span>的治疗<span style="color: black;">行业</span><span style="color: black;">重点</span><span style="color: black;">触及</span>癌症、罕见病等重大<span style="color: black;">疾患</span>、丙肝、乙肝以及高血压、糖尿病等慢性病等。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">包含</span>近几年国家药监局<span style="color: black;">准许</span>的新药，<span style="color: black;">也</span><span style="color: black;">包含</span>国内重大创新<span style="color: black;">药物</span>。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic3.zhimg.com/80/v2-c1e9036fe9c6d650f91cfc573e615f0a_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;"><span style="color: black;">能够</span>看出，这次<span style="color: black;">医疗保险</span>目录<span style="color: black;">调节</span>，纳入<span style="color: black;">更加多</span>实用、高价值的药，报销范围<span style="color: black;">亦</span>更广，<span style="color: black;">有些</span>癌症、罕见病用药<span style="color: black;">亦</span>纳入目录。</p>
<h2 style="color: black; text-align: left; margin-bottom: 10px;"><span style="color: black;">医疗保险</span>报销有什么不足？</h2>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">虽然国家医疗<span style="color: black;">保证</span>整体趋势是越来越好了，但依然不够：</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、覆盖率不高</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">虽然<span style="color: black;">加入</span>报销范围的<span style="color: black;">药物</span>数有2643种，但<span style="color: black;">实质</span>上并不算多。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">国家<span style="color: black;">药物</span>监督管理局收录的<span style="color: black;">药物</span>，<span style="color: black;">日前</span>有169470种，<span style="color: black;">医疗保险</span>覆盖的仅为1.6%，还有98%的<span style="color: black;">药物</span><span style="color: black;">没</span>法<span style="color: black;">运用</span><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;">2、进入<span style="color: black;">医疗保险</span>却不<span style="color: black;">必定</span>买得到</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">抗癌靶向药进入<span style="color: black;">医疗保险</span>后，反而在医院开不到了。在一篇采访中，曾经有这么一句话：</p>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;">乃至</span>有53.4%的<span style="color: black;">病人</span>透露，医院<span style="color: black;">已然</span><span style="color: black;">知道</span><span style="color: black;">暗示</span>不进<span style="color: black;">医疗保险</span>抗癌药。<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">为何</span>靶向药进了<span style="color: black;">医疗保险</span>却入不了院？<span style="color: black;">重点</span><span style="color: black;">原由</span>有3个：</p><span style="color: black;">医疗保险</span>控费：国家队<span style="color: black;">医疗保险</span>投入总额是有限的，高价<span style="color: black;">药品</span>进入<span style="color: black;">医疗保险</span>，<span style="color: black;">医疗保险</span>总额<span style="color: black;">花费</span>就会有压力，<span style="color: black;">必须</span>进行限制。药占比考核：<span style="color: black;">病人</span><span style="color: black;">看病</span>过程中，买药<span style="color: black;">花费</span>占总<span style="color: black;">花费</span>的比例是有考核的，超标的部分从<span style="color: black;">大夫</span>、护士奖金里扣除，<span style="color: black;">引起</span><span style="color: black;">大夫</span>不敢开社保内高价药。取消<span style="color: black;">药物</span>加成：取消后，医院引进靶向药没什么利润，就缺乏动力去进这些<span style="color: black;">药物</span>。<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">另一方面，从重大<span style="color: black;">疾患</span>的治疗<span style="color: black;">花费</span>来看，即使靶向药被<span style="color: black;">加入</span>了<span style="color: black;">医疗保险</span>范围、减轻了药费<span style="color: black;">包袱</span>，<span style="color: black;">长时间</span>的<span style="color: black;">恢复</span>治疗、移植等等，都会是一笔不小的<span style="color: black;">花费</span>。</p>
<div style="color: black; text-align: left; margin-bottom: 10px;"><img src="https://pic4.zhimg.com/80/v2-dd24372caefee82a895d99b863b1cf93_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;">重大<span style="color: black;">疾患</span>面前，<span style="color: black;">医疗保险</span>的那点国家补贴，只是杯水车薪。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">更何况高发的25种重疾，大部分<span style="color: black;">必须</span>的<span style="color: black;">药物</span>只属于丙类药，<span style="color: black;">乃至</span>不在<span style="color: black;">医疗保险</span>报销范围内。</p>
<h2 style="color: black; text-align: left; margin-bottom: 10px;">小七说</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>是虽有不足，却是<span style="color: black;">基本</span>的<span style="color: black;">保证</span>。它<span style="color: black;">没</span>需健康<span style="color: black;">通知</span>，<span style="color: black;">患病</span>了<span style="color: black;">亦</span><span style="color: black;">能够</span>投保；<span style="color: black;">没</span>停售<span style="color: black;">危害</span>，交够<span style="color: black;">必定</span>年限保终身；<span style="color: black;">花费</span><span style="color: black;">优惠</span>，还有国家<span style="color: black;">补助</span>。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">但<span style="color: black;">医疗保险</span>的<span style="color: black;">保证</span>范围是<span style="color: black;">特别有</span>限的，能报销的<span style="color: black;">药物</span>占比不足2%；除甲类药外，都<span style="color: black;">不可</span>100%报销；<span style="color: black;">没</span>法弥补工资损失、护理<span style="color: black;">花费</span>等。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">因此</span><span style="color: black;">医疗保险</span>+<span style="color: black;">商场</span>保险的组合，<span style="color: black;">才可</span>够给<span style="color: black;">咱们</span>比较全面的<span style="color: black;">保证</span>，让<span style="color: black;">咱们</span>在外打拼<span style="color: black;">亦</span><span style="color: black;">没</span>后顾之忧。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">但<span style="color: black;">倘若</span>你连<span style="color: black;">医疗保险</span>都还<span style="color: black;">无</span>配置，还是先尽快把<span style="color: black;">医疗保险</span>补上。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">更加多</span>保险知识获取，可私信小七</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">买保险，先问小七，不掉坑</p>
这篇文章真的让我受益匪浅，外链发布感谢分享！ 我们有着相似的经历，你的感受我深有体会。 楼主节操掉了，还不快捡起来！ 期待楼主的下一次分享！”
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