In 2024, significant adjustments have been made to the medical insurance policy for retirees in Yantai, aiming to enhance the medical security for retirees. The key highlights include an increase in the reimbursement ratio and the annual maximum payment limit for ordinary outpatient services, as well as adjustments to the minimum payment period for employee medical insurance.
- Enhanced Reimbursement for Ordinary Outpatient Services: Starting from January 2024, the reimbursement ratio for ordinary outpatient services for retirees in Yantai has been raised. At secondary designated hospitals, the reimbursement ratio for retirees has increased from 70% to 75%, and the annual maximum payment limit has been increased from 2,300 yuan to 6,000 yuan. The starting payment standard has also been adjusted. At secondary designated hospitals, it has been reduced from 800 yuan to 400 yuan. For example, if a retiree has an outpatient expense of 1,000 yuan at a secondary hospital, under the new policy, the amount reimbursable will be calculated based on the new reimbursement ratio and starting payment standard, resulting in more cost savings.
- Adjustment of the Minimum Payment Period for Employee Medical Insurance: From January 1, 2026, the minimum payment period for employee medical insurance in Yantai will be adjusted. For male employees, it will be increased from 25 years to 30 years, and for female employees, from 20 years to 25 years. If an employee reaches the legal retirement age but has not met the minimum payment period requirement for medical insurance, they can choose to make a one - time payment to reach the minimum payment period at a payment ratio of 7% of the minimum payment base for employee medical insurance, or continue to pay monthly as an on - the - job employee until the minimum payment period is met.
- Payment and Treatment for Flexible Workers: For flexible workers who have completed the formalities for receiving employee basic pension insurance benefits in Shandong Province, if the cumulative payment period of their employee medical insurance (including deemed payment periods) reaches the minimum payment period required in Yantai, they can apply for retiree medical insurance benefits. If the cumulative payment period has not reached the minimum requirement, they can choose to make a one - time payment within one year to reach the minimum payment period and enjoy retiree medical insurance benefits from the next month after retirement. If the payment is made more than one year later, the benefits will take effect from the next month after the payment is credited. They can also continue to pay medical insurance premiums as flexible workers until the minimum payment period is met, and enjoy on - the - job employee medical insurance benefits during the payment period.
In conclusion, the new medical insurance policy for retirees in Yantai in 2024 brings more benefits to retirees. It is recommended that relevant personnel carefully understand the policy details to ensure the proper enjoyment of medical insurance benefits.
