多层次医保迈出关键一步

Core Viewpoint - The release of the 2025 National Medical Insurance Drug List and the first version of the Commercial Insurance Innovative Drug List marks a significant step in the construction of a multi-tiered medical security system, balancing basic healthcare coverage with diverse options [1] Group 1: Dual Directory System - The introduction of the "dual directory" system signifies a collaborative approach between basic medical insurance and commercial insurance, ensuring that essential medications are covered while also allowing for the inclusion of high-value innovative drugs [1] - This system adheres to the principle of "basic insurance for basic needs," preventing high-priced drugs from overwhelming the insurance fund [1] Group 2: Future Directions - Future efforts are needed to break down data barriers between basic medical insurance and commercial insurance, aiming to establish a one-stop settlement system for "medical insurance + commercial insurance" [1] - Continuous exploration and optimization by relevant departments are essential to enhance the roles of medical insurance as a safety net and commercial insurance as an expansion tool, ultimately improving health security for over 1.4 billion people [1]