医保卡可以换现金。在屡次明令禁止药店对医保卡套现行为之后，记者发现，“聪明”的违法者又开创了一种新的医保卡套现方式，与政策玩起“捉迷藏”。

Medical insurance card can be in cash.After repeatedly was banned for pharmacy medical insurance card after taking behavior,Reporter discovery,"smart"The offender and started a new medical insurance card this way,And policy play"Hide and seek".

　　近日，记者在内蒙古医科大学附属医院对面的地下通道入口处看到了“医保卡换现金”的小广告，怀疑有人利用这种方式实施诈骗，于是，拨通电话，深入了解医保卡套现的内幕。

recently,Reporter in the Inner Mongolia medical university affiliated hospital at the entrance to the underground passage saw"Medical insurance card in cash"Little advertising,Doubt anyone using this method for fraud,so,Phone call,Thorough understanding of the medical insurance card to cash inside.

　　

一手刷卡一手交钱 A credit card in hand in money

　　12月24日，记者在附院地下通道入口看到了“医保卡换现金”的小广告。小广告上有打印的两个大字“收药”，上面标有一行小字“医保卡换现金”，还留有一个电话号码。

On December 24,Reporter in establishing affiliated hospital of underground passage to see the entrance"Medical insurance card in cash"Little advertising.Small advertising on the printed word"Collect medicine",Marked with the words"Medical insurance card in cash",Is there a telephone number.

　　记者打通电话后，接听电话的男子向记者介绍了什么是“医保卡换现金”。他说，具体的操作方式是，持卡人拿着医保卡与他一起到药店购药，可以按照购药总额的80%兑换现金，如购买了价值1000元的药，持卡人可以拿走800元钱。

Reporter after the call,Answer the phone man introduces to the reporter what is"Medical insurance card in cash".He said,The specific mode of operation is,With the medical insurance card together with him to the drugstore buy medicine,Can buy medicine according to 80% of the total amount of cash,If bought 1000 yuan worth of medicine,Cardholder can take 800 yuan.

　　“肯定没事，从我这换现金的人多了。人家还有拿1万元来换钱的，不会骗你的。”

"Sure nothing,That from me in cash it.The somebody else and get 10000 yuan to the money,Won't cheat you."

　　对于记者的质疑，对方再三表示自己不是骗子，同时也一再告诉记者，套现的人很多，“买药又不违法”。

The question to journalists,The other party repeatedly said he is not a cheater,At the same time also repeatedly told reporters,Taking a lot of people,"Buy medicine and not illegal".

　　记者问是否钱多返还额度也要多一些，男子说他们收购的药只能按批发价或者低于零售价的价钱出售，赚不了多少钱，附近收药品的行情就是这样。

The reporter asked whether money return line will more,The man said they buy medicine can only at the wholesale price is lower than the retail price or sell,Don't make much money,Near the drug market is so.

　　

中介从中牟取利益 Intermediary to seek interests

　　收购到的药品会流到何处呢？记者了解到，医保卡套现后，药贩会将收购来的药品贩卖到门诊、社区医院、小型药店等地。

Purchase of drugs will flow to where it?The reporter understands,After taking medical insurance card,YaoFan will purchase to drug trafficking to clinic/Community hospital/Small pharmacy, etc.

　　“有人到门诊询问过，问我们要不要他们的药，说这些药是用医保卡买来的，可以便宜一些。”赛马场北路一家综合门诊的负责人许大夫告诉记者。

"Someone to outpatient inquired,We want to ask their medicine,Say these medicine is bought with medical insurance card,Can be cheaper."Racecourse road a polyclinic in make the doctor told reporters.

　　药品出售应当履行相关的法律规定，也有一定的流程，需要相关部门的文件批示。但这些没有任何手续的药品因相对低廉的价格流向市场。

Drug sale shall perform the relevant laws and regulations,Also to have certain process,Need to related department documents instructions.But these do not have any formalities for drug relatively cheap price to the market.

　　“没有相关的购药手续，且担心会把过期药、假药掺杂到回收的药品中，重新包装后出售。”为了诊所及患者的安全，许大夫拒绝收购。虽然这些人拿来的药价格相对低一些，但他不敢以这种方式进药。

"No relevant formalities for medicine,And worry about the overdue medicine/Counterfeit drugs doping to recovery of drugs,Repackage after sale."In order to clinic and the safety of patients,Make the doctor refused to purchase.Although these people took medicine price is relatively lower,But he didn't dare to in this way in medicine.

　　不过，这也从中反映出了这些不法中介的赚钱方式，即用医保卡买来的药再卖出去，从中牟利。

but,This also to reflect these illegal intermediary way to make money,Use medical insurance card to buy medicine to sell out,lucrative.

　　

市民对医保卡概念不清 Citizens of medical insurance card concept is not clear

　　“医保卡里钱不少，放着也取不出来。”市民李小姐说，逢年过节，她常拿医保卡到药店购买保健品，作为礼物送给亲戚朋友，偶有药店出售药妆产品，也可以用医保卡购买。

"Medical insurance card a lot of money,Put also take not to come out."Citizen miss li said,holiday,She often take medical insurance card to the drugstore buy health care products,As gifts to friends and relatives,I have a pharmacy sell medicine makeup products,Also can use to buy medical insurance card.

　　李小姐认为，自己年轻很少得病，如果真患上了什么大病，卡里的这些钱也解决不了什么大问题。

Miss li think,His young rarely sick,If I had any serious illness,Carrie's the money it won't solve any problem.

　　而市民康大爷则说，万一出了事儿，还是有医保卡比没有好。他说，用医保卡到药店买保健品不合适。如果把这些钱全都用于购买保健品，医保卡就失去了意义。

Public health and the big ye said,One thousand out of the business,Medical insurance card or a better than nothing.He said,With medical insurance card to the drug store to buy health care products don't fit.If these all my money used to buy health care products,Medical insurance card will lose its significance.

　　在采访中，大多数市民对医保卡概念不清，总觉得没有什么用，钱放着拿不出可惜，并不认为用医保卡套现是违法行为。因此，导致医保卡套现行为以及药贩的猖獗。

In the interview,Most of the citizens to medical insurance card concept is not clear,Always feel to do not have what use,Money put doesn't have a pity,Don't think in medical insurance card to cash is illegal behavior.so,Medical insurance card to cash YaoFan behavior, as well as the rampant.

　　

买药可以，卖药违法 Buy medicine can,Sell illegal drug

　　“医保卡在药店直接套现换钱的行为，是不允许的，但市民买药是正常行为。”内蒙古自治区医疗保险资金管理局的工作人员韩晓娟告诉记者，由于医保卡里面的现金属于市民私人所有，它作为一笔受法律保护的特殊资金，用于就医与购药。

"Medical insurance card in pharmacy direct cash money behavior,Is not allowed,But people buy medicine is normal behavior."Inner Mongolia medical insurance fund administration staff HanXiaoJuan told reporters,Due to the medical insurance card cash belongs to private citizens all,As a BiShou legal protection of special funds,Used to go to a doctor and buy medicine.

　　韩晓娟还说，从前发生过药店直接为医保卡返现金的行为，对此，有关部门已明令禁止。如今的棘手之处在于，市民购买药品的行为是不违法的，难以禁止。但将购买的药品私自低价贩卖的行为违反政策规定，却难以有效有力的监管。

HanXiaoJuan also said,Once upon a time had a pharmacy directly for medical insurance card return cash behavior,this,The department concerned has banned.Now in the difficult,People buy drug behavior is not illegal,Difficult to ban.But will buy low sell drugs without violation of policy,But is difficult to realize effective supervision.

　　很显然，中介又一次与法律法规玩了一次“捉迷藏”，执法部门难以监控，没有办法界定市民买药是使用还是出售。但是，可以肯定的是，私自出售药品的行为并不像药贩告诉记者的“不违法”。

obviously,Intermediary again with laws and regulations play a"Hide and seek",Law enforcement is difficult to monitor,Have no way to define people buy medicine is to use or sale.but,To be sure,Sell drugs without the behavior is not like the YaoFan told reporters"Not illegal".

　　针对药品的私自售卖，呼和浩特市食品药品监督局一位不愿透露姓名的工作人员告诉记者，药品出售要具备相关的手续，不论是市民私自卖药还是药贩倒卖，都是违法的，是不允许的。市民应该善用医保卡里的资金，即使现在医保卡里的钱不多，但金额的累积幅度与保障程度是有关的，套现的行为，无异于透支持卡人的“救命钱”。

According to the drug sale without permission,Hohhot food and drug supervision bureau one does not wish to disclose the name of staff, told reporters,Drug sales to have the relevant procedures,Whether people secretly sell medicine or YaoFan stripping,Are illegal,Is not allowed.Citizens should make the best use of the medical insurance card money,Even if the present medical insurance card is not much,But the amount of cumulative range and degree of security is concerned,Taking behavior,Is overdraw the cardholder's"JiuMingQian".

　　

律师：损害社保利益 A lawyer:Damage social security benefits

　　套取医保卡现金，再进行药品私自买卖，这在医保政策和药品买卖同时涉及违规违法。

Show the medical insurance card cash,Buying and selling drugs again without permission,The medical insurance policy and pharmaceutical sales at the same time involved in illegal illegal.

　　内蒙古典泽律师事务所李文生律师说，《中华人民共和国社会保险法》第八十八条规定：以欺诈、伪造证明材料或者其他手段骗取社会保险待遇的，由社会保险行政部门责令退回骗取的社会保险金，处骗取金额2倍以上5倍以下的罚款。

Inner Mongolia classical glory law firm LiWenSheng lawyer said,[Social insurance law of the People's Republic of China]The provisions of article eighty-eight:With fraud/Forged documents or other means cheat social insurance treatment,By the society insurance administration department shall be ordered to return the social insurance swindle,Place diddle amount 2 times more than 5 times the fine.

　　李文生说，医疗保险是一种社会福利待遇，其中包含个人付费和社保统筹两部分款项。医疗保险是供职工生病使用，不能挪作他用。因此医保卡换现金这种行为是违法行为，貌似是自己使用自己的钱没有什么不当，其实破坏了医保的社会职能，损害了社保统筹的利益。

LiWenSheng said,Medical insurance is a kind of social welfare,Including individual pay and social security payment plan as a whole two parts.Medical insurance is for worker ill use,Not used for any other purposes.So medical insurance card in cash this kind of behavior is illegal behavior,As they are for your own use their own money no tags,Actually destroyed the social functions of medical insurance,Damage the interests of the social security as a whole.

　　北京大成律师事务所内蒙古分所的马晓峰律师也表示，根据《中华人民共和国药品管理法》第七十三条规定，未取得《药品经营许可证》经营药品的，将被依法取缔，有关部门可没收其违法销售的药品和违法所得，同时还可并处违法销售药品(包括已售出和未售出的药品)货值金额2倍以上5倍以下的罚款；构成犯罪的，还将被追究刑事责任。(内蒙古晨报 实习记者周莹）

Beijing dacheng law firm of Inner Mongolia substation MaXiaoFeng lawyer also said,According to the[Drug administration law of the People's Republic of China]The provisions of article seventy-three,Did not obtain[Drug business license]Management of drug,Will be banned according to law,The relevant departments may confiscate the illegal sale of drugs and the illegal income,At the same time can also impose illegal drug sales(Including already sold and unsold drugs)Value 2 times more than 5 times the fine;Constitute a crime,Will also be shall be investigated for criminal responsibility.(Inner Mongolia morning practice reporter ZhouYing)