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某参保患者患恶性肿瘤2004年全年共发生医疗费用为14万余元,个人负担1．4万余元,其中个人帐户支付2千余元;个人现金支付1．2万余元(包括商保个人支付部分),其中目录外药品费用4073元、医保费用分担2888元、商保费用分担7889元,共14850元,个人负担率(个人帐户加现金占总费用的比例)约10%。其使用的目录外药品医保药品目录有同类药品,产生的费用4073元可以避免。即完全使用医保三目录,该参保患者仍要个人负担1万余元。
An insured patient suffering from malignant tumors in 2004 annual total of medical expenses of 14 million yuan, the individual burden of 1.4 million yuan, of which an individual account to pay 2 thousand yuan; personal cash payment of 1.2 million yuan (including Personal insurance payment), of which 4073 yuan for medicines, 4088 yuan for medical insurance, 2888 yuan for medical insurance, 7889 yuan for commercial insurance and premiums, and 14,850 yuan for personal insurance premiums. The personal burden ratio (the ratio of personal accounts plus cash to total expenses) is about 10%. The list of drugs used in its directory of foreign medicines have similar drugs, the cost of 4073 yuan can be avoided. That is, the full use of Medicare three catalogs, the insured patients still have to bear an individual more than 10,000 yuan.