医保个人账户跨省共济能给谁用？可支付哪些费用？官方解读

Group 1 - The core viewpoint of the article is the issuance of a notification by the National Healthcare Security Administration and the Ministry of Finance to enhance the cross-provincial pooling of personal accounts in the basic medical insurance for employees, aiming to optimize the policy and reduce the medical cost burden for the public [1][2]. Group 2 - The notification is a response to previous guidelines aimed at improving the pooling function of personal accounts in employee medical insurance, which has already seen over 780 million instances of pooling and more than 100 billion yuan in funds over the past five years [2]. - The notification outlines the management of cross-provincial pooling relationships, specifying that eligible individuals include the close relatives of insured employees, and that these relationships can be voluntarily established or dissolved [3]. - It clarifies the usage of pooled funds, which can cover personal medical expenses, insurance premiums, and long-term care insurance contributions for the beneficiaries, while ensuring that pooled funds cannot be used again once allocated [3]. - The notification establishes a monthly full settlement process for cross-provincial pooling expenses, with a dynamic adjustment of fund scale based on the prepayment system [3]. - It emphasizes the need for collaboration among healthcare and finance departments to enhance organizational leadership, regulatory oversight, and information system integration to improve public awareness and access to the benefits [3]. Group 3 - The notification significantly benefits the public by expanding the pooling policy from provincial to national levels, allowing personal account funds to be used for family members' medical expenses across provinces, thus transforming dormant personal account funds into "family health funds" [4]. - This cross-provincial pooling will enhance immediate family support, effectively reduce the medical cost burden on the public, improve fund utilization efficiency, and promote a more equitable and sustainable system [4].