Liu Shuzhen had three worries.
One is worried about his parents, the second one is paralyzed, and he has been lying down for a long time, causing serious bedsores; the other is worried about himself, sitting in front of the sick bed every day, unable to go out to work; the third is worried about life, treating the elderly and emptying his savings.
In 2020, Liu Shuzhen is still living a tight life with her fingers; in 2021, Liu Shuzhen enjoys long-term care insurance benefits, and three worries are finally resolved together.
Care is guaranteed-
"Rural Nursing Insurance Promotion Plan" is implemented, and rural residents can also enjoy long-term care insurance
Tianheng Town, Jimo District, is located in the northeastern part of Qingdao City, Shandong Province. It takes one hour to drive from the urban area to the house of Liu Shuzhen, a villager in Cui Zhao Village.
Liu Shuzhen's parents suffered from cerebral infarction for many years and were paralyzed in bed.
But upon entering the house, the room was clean and there was no smell.
In the past, Liu Shuzhen's family suffered a lot.
When taking her parents to see a doctor in an urban hospital, Liu Shuzhen needed to rent a car and ask her neighbors to help. It took a long time to go back and forth.
"On weekdays, the village doctor can't come every day. The two old people's bedsores are not cleared in time, and they will not be healed." Liu Shuzhen wiped away tears anxiously.
One day, Liu Shuzhen was sitting in front of the door worrying when she saw several cars drive into the village, and several propagandists got out of the cars, holding brochures and handing them out door-to-door.
"What is long-term care insurance?" Liu Shuzhen stepped forward and asked, "There are elderly people who can't move in my family, can you take care of them?"
"Old people can enjoy medical and life care services through evaluation." The propagandist handed over the brochure.
In 2012, Qingdao took the lead in carrying out the exploration and practice of the long-term care insurance system in the country, and was later identified as one of the first pilot cities for the long-term care insurance system in the country.
However, the coverage area of the policy is mainly cities, and the service targets are urban residents and insured workers.
In 2021, Qingdao will deepen reform and implement the "Rural Nursing Insurance Improvement Plan".
Rural residents who are assessed to be disabled at grades 3, 4, 5 or severe dementia can enjoy the same medical services and life care services as insured workers in urban areas.
Liu Shuzhen intends to give it a try.
She signed up, and an evaluator came to the door on the same day to confirm that the two elders were eligible, and formulated a targeted care plan.
Since then, nurses have regularly come to help the elderly massage, turn over, and clear bedsores.
"Medical staff come to adjust the medication regularly. Since last year, the second old man has never suffered a cerebral infarction again." Liu Shuzhen said.
Life is less stressful...
Optimize multiple financing mechanisms and improve insurance payment standards
What is the difficulty in implementing the long-term care insurance system in rural areas?
"In the past, long-term care insurance had a single financing channel, which only came from the transfer of medical insurance funds. The payment standard for nursing institutions was low, and only medical care expenses were paid. The second-tier paying residents was 2,500 yuan per year, and the first-tier paying residents was 3,000 yuan per year. ” said Tian Wei, director of the Maternity and Nursing Insurance Division of the Qingdao Medical Insurance Center.
"To serve a resident in a rural area, the medical insurance department pays two or three thousand yuan a year, which is not much after the cost," said Yao Tian, head of the Jimo Quankang Clinic.
The shortcomings in rural areas must be filled, and the system alone is not enough, and the funding problem must be solved.
Qingdao optimizes the multi-funding mechanism, establishes a special account for residents' nursing insurance funds, and raises funds through both personal and financial channels. According to the standard of not less than 10 yuan and 20 yuan per person per year, the individual pays funds and financial subsidies for the residents' medical insurance. The funds are transferred to the resident nursing insurance fund account on an annual basis to pay for long-term care insurance.
With the funds, it is possible to improve the payment standard of resident care insurance.
Qingdao raised the medical care payment standard to 5,000 yuan per year, and increased living care services.
"Nursing institutions serving a rural resident can not only get medical service fees of up to 5,000 yuan, but also care service fees ranging from 5,400 yuan to 12,600 yuan according to the level of disability of the person being cared for." Tian Wei said.
Institutions are profitable and services are motivated.
On the wall of Quankang Clinic, there is a "layout map", take a closer look, the map is marked with dense small flags.
"Serving a village, planting a flag. The clinic business has covered more than 120 villages, and has served more than 500 people with disabilities and dementia." Yao Tian said.
"The city has accelerated the cultivation of the nursing service market, guided a group of nursing institutions to expand their business in rural areas, and encouraged township health centers to carry out nursing services. Last year, 9 nursing institutions were added in the district, all of which were invested in rural services." Jimo District Medical Center Shi Xiuwei, director of the Security Bureau, said.
Institutional service quality has also reached a new level.
Walking into the equipment room of Quankang Clinic, the reporter put on gloves for hand function rehabilitation training, stretched his fingers unconsciously, and then slowly curled up.
"We purchased professional equipment to help the elderly with rehabilitation training." Yao Tian introduced.
"The city has established a social evaluation mechanism for designated nursing institutions, and three institutions including the Quankang Clinic in Jimo have been evaluated as the city's A-level units." Shi Xiuwei said.
In 2021, Qingdao will add 198 new designated nursing institutions, including 116 new ones in rural areas.
The number of people enjoying benefits in Qingdao has reached 42,000, including 18,000 rural residents.
The insurance payment standard has improved, and Liu Shuzhen's life pressure has also been reduced.
"It used to cost nearly 1,000 yuan a month to buy medicines." Liu Shuzhen pulled out the medical bill. "Now, after reimbursement, the medicines will be paid for 40 to 50 yuan, and the living care will only cost 5 yuan per hour."
The work has ended--
Train and employ rural labor as caregivers
Life is getting better, and Liu Shuzhen is looking forward to making some money.
"But I don't have much culture, and I can't leave the village, so what kind of job can I find?" Liu Shuzhen frowned.
Every time the nurses served, Liu Shuzhen would lie beside her and watch. Over time, she "stealed" a lot of skills.
Liu Shuzhen was moved when she heard that the nursing facility was recruiting people from the village: "Can I try it?"
Nursing institutions also need Liu Shuzhen.
"There is a lot of business in the village, and there are not enough manpower. To hire a nurse from the urban area, you have to pay extra for food, accommodation, transportation, etc., which increases the cost." Yao Tian said, "In 2021, the city will introduce a new policy to hire rural women who live at home. As a caregiver, you can find employment nearby.”
Service quality should be guaranteed.
"The city encourages districts and counties to give priority to skills training in rural areas. We have opened training schools to provide pre-job training for rural women free of charge. Since 2021, a total of 1,200 people have been trained in the region, and the employment rate has reached 93%." Shi Xiuwei said.
After standardized training, Liu Shuzhen became a nurse, serving 8 elderly people in the same village.
Now that she has a job, Liu Shuzhen smiled brightly: "The monthly salary is more than 2,000 yuan, the work is close to home, and I don't delay taking care of my parents, killing two birds with one stone."
The neighbor, Mrs. Yu, is one of Liu Shuzhen's clients.
The old man suffered from cerebral infarction for many years, had difficulty speaking and was half paralyzed.
During the service, Liu Shuzhen helped the old man change his clothes and trousers and scrubbed patiently.
Next, she took out the toolbox, holding a comb in her left hand and scissors in her right hand.
Before Liu Shuzhen left, Mrs. Yu slowly took out something from under the pillow, put it in her palm, and held her hand again, not letting go for a long time.
"Every time I come, the old man always leaves me the things he can't bear to eat, including sugar, milk, and dried sweet potatoes." After Liu Shuzhen left, the few pieces of candy in her palm were still warm.
"Is life still worrying now?" the reporter asked.
"Now, life is full of hope." Liu Shuzhen smiled shyly, "Not only did I make money, they said, I also found my worth."
Coordinator of this issue: Zhang Jiaying
Our reporter Li Rui