Chapter 634 Let’s Work Together to Formulate Medical Insurance Rules! (On the First Day of the Lunar New Year, I Wish You All Good Luck in the Year of the Tiger!)

Gretel followed the old lady out of the Tower of Babel, down to Igor Peak, and out of the small train station.

Not far away, I saw a beautiful small villa with videos playing in a loop on the roof:

A pair of warm and clean hands held up a crying baby with its umbilical cord still attached.

"So your medical clinic is here."

Grete turned around and smiled. Ms. Axleben smiled and nodded:

"Yes, not all magicians are qualified to work on the peak. If the medical clinic is located here, it will be more convenient for them when they need help."

As for the conjuration system auxiliary tower next to the Babel Tower, there is also a branch of the medical center.

There are female magicians who persist until the last day of their due date, or who unexpectedly give birth suddenly, and they can easily get help.

"Let me fly up, it's better than letting them go up the mountain. Besides, the train doesn't run at night..."

Talking and smiling, walking briskly, he arrived at the door of the medical center in a short while. Serira couldn't wait to jump forward and push open the small white fence.

There is green grass inside, and a straight and flat road leads directly to the door of the building. Look at that width, it's enough for two flat cars to run parallel to each other.

"This medical center is so small..."

Cerira raised her head, raised her head, then pursed her lips and let out a small vomit.

It's really small, with three floors, a square building with up to 20 rooms. It looks smaller than Grete's villa.

The old lady didn't feel dissatisfied. She turned her face sideways, looked at the beautiful elf girl and smiled softly, crow's feet gathering slightly at the corners of her eyes:

"How many people do you think need to come to us to have children every year?"

"Ah...oh?"

Miss Yinlong never thought about this problem at all.

In fact, she has no idea how many magicians there are in Nevis and how many female magicians there are...

Ms. Eichsleben pointed with a smile:

"We have a total of ten wards for pregnant women here, and they are often not full. There is no need to expand them any further."

Khan... it is indeed a very small market.

Ten wards, if each person stays there for three days, will only accommodate a thousand people per year.

The fertility rate among magicians is not high!

It's completely different from Gretel's previous life, when every ward in a top maternal and infant hospital was full, and half of the corridor was blocked by extra beds...

If you put it this way, if the richest magicians line up to give birth to their children, the total business volume of the baby-friendly medical center... will be reduced by half in an instant...

Gretel suddenly felt guilty.

Destroying a person's wealth is like killing his parents. In his previous life, even in a public hospital, two directors could have pinched him for it!

He glanced furtively at Ms. Axleben out of the corner of his eye. The old lady smiled, invited them into the small reception room of the medical clinic, and sat down around the table.

The maid brought gingerbread and black tea. The old lady picked up the tea cup and gave them a gentle lift:

"My mother passed away due to dystocia just after I was born. Life without a biological mother was difficult, which prompted me to establish a baby-friendly medical clinic to save the lives of mothers and children as much as possible..."

She looked at Gretel eagerly:

"I am shocked by your results here. 200 cases, no deaths. This is something we have been working hard for so many years but have never been able to achieve."

Well, this is mainly because I stand on the basis of modern medicine. And cesarean section can handle many situations that normal birth cannot do...

Gretel opened and closed his mouth. The old lady had already finished speaking:

"I would like to make a humble request. Can you allow me and the girls to learn this technique from you? Any conditions and any price will do!"

"Don't say that." Grete quickly stretched out his hand to stop him:

"The experience accumulated through many years of work at the Baby-Friendly Medical Clinic is also a very valuable asset to us. We can just learn from each other... If you are willing to bring your team to my place to observe, I very much welcome it."

The old lady immediately breathed a sigh of relief. The two sides continued to talk in depth, and Grete realized that not every female magician could afford the high cost of spells:

"In fact, most of them only gave birth under the care of midwives and did not need medical spells. For those who needed medical spells, the council paid part of it, and they only had to pay a very small part themselves..."

"medical insurance?"

Gretel blurted out. The old lady thought for a moment and nodded repeatedly:

"According to your statement, it is indeed quite similar to the shipping insurance of current sea traders. Well, basically it is like this..."

All magicians, regardless of whether they are male or female, must pay part of their income from work to the Parliament as taxes. Of course, if the salary is paid directly by the parliament, these taxes will be deducted in advance.

The council then pays a portion of the taxes to each medical clinic.

This fund is divided into two parts: one part is a fixed research fund, which proposes research directions and declares a budget to the parliament every year;

The other part is the cost of treatment, with regular statistics on the amount, purpose, who was treated, what disease, and what magic was used. The general ledger is calculated every quarter and reimbursed by the council on a pro-rata basis.

When magicians go to these designated medical centers to receive treatment, they can get a heavy discount on the fees they need to pay themselves.

Just like the students at the Magic Academy, they can get a discount for seeking medical treatment at the port medical center. For magicians with lower levels, who have poor payment ability and really need medical treatment, the reimbursement rate can reach more than 80%.

"You can only enjoy payment discounts when you treat patients at medical clinics that have signed contracts with the council. Master Nordmark, is your Oak Grove Medical Clinic on this list?"

"Ah...haha...haha..."

Gretel's eyes wandered wildly. His medical clinic was established less than a year ago. When it was established, it did receive funding from the parliament, but things like designated medical care...

No one told him that there was such a thing!

No one told him that the Congress also had medical insurance and a system like designated medical insurance units!

"By the way, can I get reimbursement from the Congress for the treatment of any injury or illness?"

"That's definitely impossible!" The old lady looked at him strangely:

"Only serious injuries and illnesses can be treated with magic. For some colds and coughs, you can drink a cup of medicine and let it heal slowly. If you have to remove the disease, how can the council help you pay for it!"

It means that excessive medical treatment is not allowed, and for treatments that are not covered by medical insurance, you have to pay for them yourself? It does sound reasonable. Otherwise, the council's finances will one day be overwhelmed by treatment costs.

"How long has your medical clinic been open? I don't know?... Oh, you are from the plasticity department, and no one tells you these things. Really, how come you are such a weirdo in the plasticity department?"

Gretel: T_T

It's not that the plasticity department made me such a weirdo, but that I fell in love with the magic research of the plasticity department and had to sharpen my head to get into it...

Also, most magicians belong to a small circle. There is an unknown distance between the circles of the medical branch of the conjuration system and the thunder and lightning branch of the evocation system. Grete opened a medical clinic, but no one really told him what to do with these procedures.

"If we can come to your place to study, I can help you complete the contract signing procedures for the Oak Grove Medical Clinic." The old lady said slowly and leisurely one by one.

As the only medical clinic in the entire Magic Council that specializes in childbirth care for female magicians, she was quite confident in saying this: Which magician dares not to give her face? Who dares?

"In addition to contract signing at designated sites, I can also help you apply for research expenses and treatment expenses. By the way, which treatment expenses can be paid by the council and which ones have to be paid by the patient themselves, I can explain to you carefully so that you will not suffer a loss. …”

Ah, health insurance. When you arrive in another world, you still have to face medical insurance. Grete knows it too well. If you don’t understand this thing, the medical insurance bureau will not recognize the expenses you declare, and the hospital will have to pay...

In the past, the hospital paid most of the money, and the department and the doctor himself paid the small share. Now, it all comes from his own pocket!

"Thank you so much! - Come and communicate with us, there will be no problem, as long as you abide by my rules - the price is also very simple, it is the same for everyone, each person can cure 20 poor mothers every year!"

"It's a deal!"

The old lady leaned back, and the wrinkles on her face relaxed one by one, feeling particularly relaxed and comfortable.

Next it’s time for teaching. Grete sat up straight and listened attentively.

He was prepared to hear a long list of basic medical insurance drug catalogs, diagnosis and treatment items, medical service facility standards, single-disease payment, and so on. Who knew...

"Actually, there is only one principle. - Serious illness, serious injury, the kind that kills people, the kind that requires you to lie down for several months, or the kind that will make you disabled, the parliament will reimburse you. Just bear with it. It can be cured with medicine, so please pay for it yourself. money."

"It's like midwifery. If you can give birth on your own and just want to save some energy, you have to pay for it yourself; if you can't give birth on your own and need magical support, the council will pay for it."

"But who has the final say?"

"Does the healer have the final say? ... Well, the council will also come to do spot checks, especially prophecy magicians. With the record book, they can sometimes reproduce the situation at the time. So fraud is impossible. We basically I can’t get enough of that brain..."

"emmm..." Gretel cupped his chin:

"So, what are the relevant medical insurance rules for cesarean section? After all, some people will die without a cesarean section, some people can have a cesarean section or not, and some people don't need a cesarean section..."

"You have the final say on this." The old lady smiled and said:

"After all, you invented it, and you make the rules."

However, 200 cases are too few and not convincing at all. Gretel lowered his head and thought for a moment, then looked at Ms. Axleben:

"Can we work together?"

A 13th-level great magician, how many years has she been operating this medical clinic?

One thousand cases a year, ten thousand in ten years, thirty thousand in thirty years! It is much more convenient and more convincing to summarize the patterns from 30,000 cases than from 200!

“We work together to create the rules and submit them to Parliament!”

We have research funds, we have designated medical insurance funds, we have customers, we have people to work...

May all your wishes come true! Oh yeah!

****

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