近日全国医保工作会议提出，明年力争实现全国生娃基本不花钱。 生娃不花钱政策如何落地？对于宝妈来说，哪些费用属于"基本"不花钱的范围，哪些又处于"不基本"需要自付的范围？ 16日，国家医保局以"医保支持生育"为主题连发五篇文章推荐地方生娃基本不花钱的经验，用地方实践和真实的医保数据回应 了大家关心的这些问题。 全国医保工作会议提出，推动将灵活就业人员、农民工、新就业形态人员纳入生育保险覆盖范围。合理提升产前检查医疗费用 保障水平，力争全国基本实现政策范围内分娩个人"无自付"。 国家医保局数据显示，到2025年底，31个省（区、市）及新疆生产建设兵团均已将符合条件的辅助生殖项目纳入医保，7个省份 实现政策范围内住院分娩医疗费用全额保障，95%的统筹区将生育津贴直接发放给参保人。 吉林、江苏、山东等7个省份已率先实现生娃基本不花钱。国家医保局转发的《江苏全面实施"零自付"生娃后，"减负"效果如 何？》全面介绍了江苏省是如何做到生娃基本不花钱的。 今年4月，江苏省医保局会同省财政厅出台了《关于实施孕产妇住院分娩医疗费用财政补助政策的通知》，明确自今年7月1日 起，也就是说，不论是职工医保（含生育保险）还是居民医保参保 ...

Core Insights - The central theme of the news is the initiative by the National Medical Insurance Administration to implement a policy where childbirth costs are significantly reduced or eliminated for mothers, aiming for a nationwide "no out-of-pocket" expense for childbirth by next year [1][2]. Group 1: Policy Implementation - The National Medical Insurance Administration has proposed to include flexible employment workers, migrant workers, and new employment forms in the maternity insurance coverage [1]. - By the end of 2025, all 31 provinces and regions, including Xinjiang Production and Construction Corps, will include eligible assisted reproductive projects in medical insurance [1]. - Seven provinces have already achieved full coverage of hospitalization costs for childbirth within the policy framework, with 95% of coordinated areas directly disbursing maternity allowances to insured individuals [1]. Group 2: Local Practices - Jiangsu Province has implemented a "zero out-of-pocket" childbirth policy, where the remaining personal costs after insurance coverage are subsidized by the government, effective from July 1 this year [2]. - The "zero out-of-pocket" policy does not cover certain expenses such as self-paid drugs, materials, or services outside the insurance directory, which remain the responsibility of the individual [2]. - In Guangxi, over 11,538 mothers reported personal expenses of less than 10 yuan after insurance reimbursement, with some individuals spending nothing at all [3]. Group 3: Additional Benefits - In cities like Shenzhen, the insurance has also included painless childbirth (epidural anesthesia) in the basic medical insurance coverage, allowing for 100% reimbursement, thus reducing the economic burden on mothers while enhancing their comfort during childbirth [6].