家里没米或油了，不用去市场或超市，到某些定点药房竟然也能买到。近日，南京市民曹先生因感冒去一家医保定点药店买药时，发现药店除了卖药外，还卖米、面、油等生活用品，而且都可用医保卡支付。

Home didn't m or oil,Don't have to market or supermarket,To certain designated drugstore unexpectedly also can buy.recently,Nanjing citizen Mr Cao for cold to a health-care sentinel pharmacy to buy medicine,Find a pharmacy in addition to sell drugs,Also sell m/face/Oil supplies,And can be used to pay medical insurance card.

　　记者随即暗访发现，这种做法如今在不少医保定点药店都存在，特别是临近年底，突击花医保卡钱买生活用品的现象较突出。

Reporters immediately prior,This practice nowadays in many medical insurance fixed-point enterprise there are,Especially near the end of the year,Assault insurane card money buy articles for daily use of the phenomenon is more prominent.

　　昨天上午的南京广州路某药房，收银台旁边摆放着水壶、尿不湿、卷纸等十余种生活用品，还有几种品牌的食用油和大米。“可以用医保卡买油买米吗？”记者问，导购略微迟疑后回答：“如果买了价值超过500元的物品，我们可以代刷医保，药店内所有物品都可以算进去，包括生活用品。”

Nanjing yesterday morning guangzhou address the pharmacy,Beside the cashier is putting the kettle/Urine is not wet/More than ten kinds of articles for daily use such as paper roll,There are several brands of cooking oil and rice."Can use the medical insurance card to buy oil buy rice?"The reporter asked,Customer replied after a slight hesitation:"If you buy more than $500 worth of goods,We can brush and medical insurance,All items can be included within the drugstore,Includes articles for daily use."

　　新街口某大药房门口堂而皇之放着广告牌：“蜂蜜，可刷医保。”药架上还摆着很多理疗器械。营业员告诉记者，这些东西都能使用医保卡支付。在位于珠江路的某连锁药店，一位约50岁的营业员先回答有食用油卖，在柜子里。但当记者问能不能用医保卡支付时，营业员警觉地问：“你是来干什么的？没有，不卖！”

New street at the gate of a large pharmacy had put the billboard:"honey,Medical insurance can be brushed."Medicine on also with a lot of physical therapy equipment.Shop assistant told reporters,And all these things can use the medical insurance card.At a pharmacy chains in the pearl river road,A the age of about 50 s first answer is cooking oil,In the cupboard.But when the reporter asked when can I pay by medical insurance card,S to ask:"You are to do?There is no,Don't sell!"

　　据了解，每到年底，许多持医保卡的市民就会扎堆开药、买东西，开出的药一些人会再以3-4折卖给药贩子。他们认为，虽然这种做法有骗保之嫌，但医保卡里的钱是扣自己工资的，取也取不出来，不花也浪费了，还不如去药店换点实惠回来。

It is understood,Every arrive the end of the year,The citizens of many medical insurance card holders will stick out a prescription/To buy things,Some of medicine will sell again in 3-4 fold drug traffickers.They think,Although this practice has cheated the,But health insurance card of the money is his salary,Take also take not to come out,Don't spend and waste,Come back as went to a chemist's shop for something substantial.

　　据知情人士介绍，市民只要到医院证明自己患有高血压等慢性病，办个“门慢”，一年中除将自己卡中的钱用完外，还可报销几千元，相当多的人都深知这一门道，从医保基金中赚便宜。于是有的药店就瞅准这一“商机”，顺便销售米、油、酒、化妆品等，甚至还卖手机、小家电等。

According to people familiar with the introduction,Citizen as long as prove himself to the hospital suffering from chronic diseases, such as high blood pressure,Do a"The door slowly",A year in addition to their card run out of money,Still can submit an expense account several thousand yuan,Quite a lot of people know the doorway,From the medical insurance fund to make cheap.So some enterprise is sticking to this one"Business opportunities",By the way sales m/oil/wine/Cosmetics such as,Even sell mobile phones/Small home appliance, etc.

　　知情人士说，持医保卡买日用品的多是老年人，年轻人去消费的话店方一般比较警惕，而且持卡买米、油的多在晚上进行，越靠近社区的药房，交易越多，业主只要一次消费不超1000块钱就行。尽管到手的是生活日常用品，但药店有办法将它们变成“药品”清单，以应付上面检查。

People familiar with the matter said,The medical insurance card is old people to buy daily necessities,Young people to spend it inn is compared commonly,And customers to buy/Oil is much in the evening,The closer the community pharmacy,The more transactions,Owner as long as a consumer does not exceed $1000.Although it is daily life supplies,But there are way to turn them into a pharmacy"drug"list,To cope with the above inspection.

　　医保卡里的钱是用来救命的，怎么变成了“消费卡”？

Medical insurance card of the money is used for help,How to become a"Consumption card"?

　　“如果只为眼前利益而用医保卡买其它用品，一旦持卡人以后生了大病，医保卡里钱不够，还是要自己拿现金付款。”省医保中心主任胡大洋说，医疗保险的目的是建立“无病积蓄、有病治疗”统筹机制，医保卡上的资金可以逐年累积下去，别人拿不走，最终受益的还是参保人。医保卡中的钱属个人，但这个钱是经过严密测算的，每个医保个人账户的钱在一定时间内用完就没有了。

"If only immediate interests by medical insurance card and buy other products,Once the cardholder later gave birth to a serious illness,Medical insurance card don't have enough money,Still need to take cash."Provincial health HuDaYang, director of the center said,The purpose of medical treatment insurance is built"Have no savings/Ill treatment"System as a whole,Medical insurance funds on the card can be accumulated year by year,Others take,Ultimately benefit or ginseng.Medical insurance card of the money belong to personal,But the money has been closely calculated,Each medical insurance personal accounts of the money has been used up within a certain period.

　　《社保法》明确规定，只允许用医保卡在药房内购买药品，医保收的钱是专款专用，各类药房不得帮助顾客使用医保卡购买非药品类商品，各家医保定点药房都与医保中心签过协议，违者可处暂停医保划卡结算3个月的处理，严重者将直接取消医保定点资格。

[Social security law]Clearly defined,Only allowed by medical insurance card in the pharmacy to buy medicine,Medical insurance charge money is special fund is special,All kinds of pharmacy may not help customers use the medical insurance card to buy medicines merchandise,Their medical insurance sentinel pharmacy and medical insurance center signed agreement,Offenders may be suspended in the medical insurance CARDS through settlement 3 months of treatment,Serious will directly cancel the medical insurance fixed-point qualification.

　　不过，胡大洋坦言，南京有100多家医保定点药房，而监管人员只有几个人，市民在药店里用医保卡买日用品这种现象时常会有，医保中心也经常在检查，但要完全杜绝还存在很大难度。

but,HuDaYang said,There are more than 100 medical insurance sentinel pharmacy in nanjing,Only a few people and regulators,People with medical insurance card in the drugstore to buy commodity often there will be such a phenomenon,Medical insurance center often also in check,But should be completely put an end to there is a great difficulty.

　　据了解，南京正在抓紧建设医保定点药房“电子联网监控系统”。目前，省内无锡、苏州两地该网络已经建成，效果非常好，定点药房的一举一动都在监控之下，持卡买日常生活用品的现象几乎绝迹。

It is understood,Nanjing is take the construction of medical insurance sentinel pharmacy"Electronic network monitoring system".At present,,Wuxi in the province/Suzhou both the network has been built,Effect is very good,Sentinel pharmacy movements are all under control,The phenomenon of the CARDS to buy daily necessities almost dried up.

　　南京医科大学医政学院卫生管理教授陈家应认为，用医保卡买日用品这种现象早几年就出现苗头，但被查处的药店不多，被处罚关门的更没有。一项好的制度要落实好，除了制度本身需要完善外，还需要社会各方包括广大居民都来自觉遵守和呵护。仲崇山 刘 慧

Nanjing 医科大 study medicine administration college of health management professor Chen should think,With medical insurance card to buy daily necessities as early as a few years this kind of phenomenon is the hint,But was investigated the drugstore,Be punished more didn't close the door.A good system to implement,In addition to the need to perfect the system itself,Also need to include the people to consciously abide by all parties in society and care.ZhongChongShan liu hui