How to reduce the cost of IVF through social security and medical insurance
IVF is an assisted reproductive technology that helps couples who cannot conceive naturally realize their reproductive dreams. However, the cost of IVF is often very expensive, which may become a heavy burden for some families with poor economic conditions. Social security and medical insurance can reduce the cost of IVF to a certain extent and reduce the economic pressure of patients. The following is a detailed description of the proportion of medical insurance reimbursement, amount increase, relevant policies and social subsidies.
Increase of medical insurance reimbursement ratio
Medical insurance is a social insurance system that provides medical security for the public. The medical expenses during IVF treatment can be reimbursed through medical insurance, thus reducing the economic burden of patients. In recent years, the standard and proportion of medical insurance reimbursement for IVF have been significantly improved. Some cities have included IVF in the basic medical insurance and increased the reimbursement rate. For example, if the cost of IVF treatment in a hospital is 100000 yuan and the reimbursement ratio of medical insurance is 50%, the patient only needs to pay 50000 yuan.
In addition, some places also provide individual subsidies for IVF in special circumstances. For example, some provinces have set up IVF auxiliary medical subsidies for special groups, such as rural poor families and urban low-income families, to increase the proportion of medical insurance reimbursement to 70% or more. These measures have effectively reduced the economic pressure of IVF patients.
Increase of medical insurance quota
In addition to increasing the proportion of medical insurance reimbursement, some places also increased the amount of medical insurance payment, further reducing the cost burden of IVF patients. Taking a province as an example, the province has formulated a set of payment standards for IVF medical insurance fees, including medical examination fees, drug fees, surgery fees, etc., and raised the upper limit of medical insurance payment according to the specific costs of different treatment schemes. This means that patients can get higher reimbursement and reduce out of pocket expenses.
Relevant policy support
The cost of IVF is not only related to medical insurance, but also related to the support of relevant policies. The national and local governments have issued a series of policies to encourage fertility, which has helped the financial burden of IVF patients. For example, a government of a country has provided a certain amount of maternity subsidies for IVF patients to ease the economic pressure of patients. In addition, some places have also established special funds for IVF to provide financial support for patients with financial difficulties.
Social subsidies
In addition to government support, there are also some institutions and organizations in society that provide financial assistance for IVF patients. For example, a charity foundation set up a IVF rescue fund to provide financial assistance to patients with financial difficulties through fund-raising and other means. In addition, some women's organizations and charities will also organize fund-raising activities to fund families receiving IVF treatment. These social subsidy funds can be used to pay medical expenses and reduce the economic burden of patients.
The cost of IVF can be reduced to a certain extent through the relevant policies of social insurance and medical insurance and social subsidies. The increase in the proportion and amount of medical insurance reimbursement, as well as the support of relevant policies and social institutions, have provided more economic assistance for IVF patients. However, it should be noted that the specific policies and subsidies in different regions and hospitals may be different. When choosing IVF treatment, patients should understand the relevant policies and subsidies in detail to better reduce costs.
