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　　社会医疗保险卡简称“医保卡”，用于支付药店购药和门诊医疗费用，是我国城镇职工基本医疗保险制度的重要一环，被称为百姓“救命卡”。然而，记者在一些社会药店蹲点调研发现，医?？ㄎス媛蚁蟠陨河腥宋ス婀何?、套现、骗补、买药品低价出售，助长非法地下药品黑市交易……导致医保金的流失，让居民“看病贵”雪上加霜，给国家医保体系埋下严重安全隐患。</p> <p> <strong>　　药店经营超市商品居民医保卡变身“购物卡”</strong></p> <p> 　　记者在武汉多家大型药店走访发现，大部分药店都开设了商品专柜，能用医?？ü何?。部分药店售货人员表面说“上面查得严”“违反政策规定”，但私下却能帮顾客刷医保卡购物。</p> <p> 　　位于武汉市武昌区的武汉正和大药房第十一分店，药架上摆放的除了中药西药之外，还有琳琅满目的生活日用品和食品，包括：洗发水等物品，以及茶树菇、煨汤卤料等，品种丰富。</p> <p> 　　记者随后走访了5家药店，发现这些药店普遍设有日用化妆品和保健品专柜，这些非普药类专柜还占据了重要场地。有的在保健品旁边还设有小柜台，玻璃柜台里面摆放的全是日用生活品，食用油、火腿肠、方便面、香皂、洗衣粉、卫生纸等一应俱全。有的药店还打出促销的旗号，称购满200元商品，可获赠鸡蛋10枚。</p> <p> 　　记者在武汉为民天寿大药房看到，这里的日用品价格比超市高出很多。一袋不到500克的核桃仁售价50多元，高于多家超市的售价。见记者在选购日用品，店员忙上前推销。</p> <p> 　　“能用医?？蛘庑┒髀穑?rdquo;记者试探性问。</p> <p> 　　“可以。”售货员警惕地看了记者一眼，低声说。</p> <p> 　　“这不是不允许吗，刷卡不会有问题吧？”记者又问。</p> <p> 　　“是不允许，但是你刷了也没人管。”售货员答道。</p> <p> 　　说话时，记者看到，有购物者拿着日用品，在售货员的指引下来到结账处刷卡，结完账，药店给出的发票上载明的购买项目并没有药品名称，而是单纯的“消费”。</p> <p> 　　记者用医?？ü郝蛄艘缓惺娣艏严阍?，而药店提供的清单上写的却是4.5元一盒的“土霉素片”。店员说，只有用药品代替商品才能刷医?？ā?/p> <p> 　　走访康仁堂大药房、宏泰达大药房几家药店时，记者顺利买到了饮料、核桃仁等日用品和食品，清单均注明等值的某种药品。暗访时，有的店员非常警觉，不主动向记者提供清单，有的不情愿地提供，却又故意将药品名称一栏撕掉。</p> <p> 　　购药套现滋生非法药品交易链违规骗取医保补贴</p> <p> 　　记者调研发现，医保卡漏洞正在从最初的刷卡购物，向刷医保卡违规套现骗补发展。知情人士透露，药店开设商品专柜，看似是由于药品利润普遍降低，实际上很重要的原因是瞄准了个人医?？ㄉ系囊奖；?。</p> <p> 　　一些药店不仅纵容消费者用医?？ü何?，还为违规套现、非法“黑市”交易。少数人用医?？ü郝蚪羟我┢罚环ǚ肿恿魅牒谑校乙┢钒踩鸵搅铺逑倒钩闪送?。</p> <p> 　　“医?？ㄌ紫?，电话……”。在武汉大街小巷和地下通道等公共场所，到处可见这样的“牛皮广告”。武汉一些大医院周边就有不少倒卖药品的药贩。持卡者从药店刷卡购买他们“好出手”的药品，再以折扣价转卖药贩，药贩则将药品出售赚取差价。</p> <p> 　　“如果你医保金用不完，累积又不能换成现金，我可以将现金给你换出来。”记者拨打了一个医保卡变现的手机号码，一位操着东北口音的男子说：“我们和定点医院、药房关系很熟，不会有事的?？梢愿愦蚱哒?，刷掉你卡上的100元，我给你70元现金。”</p> <p> 　　记者和这名药贩约定，来到武汉同济医院附近一家药房。当时有几个人正和他进行交易。这名药贩说，可拿医保卡在这家药店买一种叫“倪福达”的控制血压药物，这种药每盒16.8元，他以7折价格回收。套现药物品种不限，“好卖的药，都可回收。你刷多一点，我给你高一点的折扣。1000元以上就是七五折，3000元以上能给你八折。也可以约上朋友一起做。”</p> <p> 　　这名药贩自称姓李，黑龙江人，来武汉干这个行当一年多。他负责在医院门口、街头收药，而他的亲戚负责在网上卖药。他说：“买药人很多，在外打工没有医保的，经济困难的，农村偏远地区的，私人小诊所的，因为那些诊所没经卫生主管部门批准，无法从正规渠道批发进药，而通过网络与快递买药既方便又便宜。”</p> <p> 　　知情人士透露，药品回收的供货人中不乏公务员。根据武汉市市直机关国家公务员医疗补助办法，享受医疗补助人员在定点药店购药，费用超过1200元的，其超过部分的补助比例，工作人员为60％、退休人员为70％。医疗费补助最高限额为3000元。武汉市医保中心介绍，公务员的这项补贴从地方财政中支出。</p> <p> 　　按照这个比例计算，医保卡上的1200元钱刷完之后，公务员再购买价值5000元的药品，可以报销3000元。相当于用3000元购买了6200元的药品，相当于用5折的价格买入，7折价格转手卖掉，仍有利润空间。</p> <p> <strong>　　医?？ㄎス媸褂寐沤恢咕用?ldquo;看病贵”雪上加霜</strong></p> <p> 　　我国现行的医疗保险制度，是缓解城镇居民“看病贵”的手段之一。医?？ǖ奈ス媸褂茫苯拥贾铝艘奖＝鸬牧魇?。</p> <p> 　　药店为何能变身超市？武汉市工商局信息中心主任刁学成说，药店是独立实体，由于目前还没有药店专项审批，药店卖日用品等同于一般商贸，不算违规。工商在审核执照的时候，允许其在经营范围内适当变动。</p> <p> 　　但药店刷医?？ü何锸粑ス嫘形衣沤痪?。今年1月份以来，武汉市医保中心加大查处力度，先后3次发布通知，要求药店自查自纠违规行为。</p> <p> 　　医保中心稽查人员今年1月、3月和清明节期间，对全市700多家定点零售药店进行明察暗访，发现共有200多家药店违规刷卡售卖生活用品，部分药店被暂停医保结算资格，责令整改。然而，仍有一些医保定点药店抱着侥幸心理，我行我素。</p> <p> 　　对于种种医保卡违规乱象，武汉市人社局医保中心内审科负责人周丽敏说，当前对此类违规套现或变相套现行为监管面临三大难题：一是立法不清晰，《中华人民共和国社会保险法》是社会保险最高法律，但未提及基金使用规范，执法依据不足；二是执法力量不足，武汉定点药店3000多家，医保中心稽查科不到10人；三是把生活用品“串换”成药品，套现形成现金流，手段花样翻新，查处时需核对进账和出货单，工作量大。</p> <p> 　　周丽敏说，处罚过轻也是屡禁不止的一个重要原因。目前国家法律对医?；鸬谋；ちΧ?，赶不上对商业保险金的保护力度。根据《中华人民共和国社会保险法》规定，对于骗取社?；鸬?ldquo;责令退回骗取的社会保险金，处骗取金额二倍以上五倍以下的罚款”。而我国刑法中“保险诈骗罪”针对的是商业保险，进行保险诈骗数额在1万元以上的属于“数额较大”，可处五年以下有期徒刑或者拘役，并处1万元以上10万元以下罚金。</p> <p> 　　为加大惩戒力度，武汉市医保中心日前发出通知，7月1日起，武汉市内定点零售药店如出现使用职工医保个人账户售卖非医保用品的、替非定点零售药店代刷职工医保个人账户的、对职工医保个人账户资金进行套现交易的、盗刷参保人员个人账户资金等四种违规行为，一经发现查实，即解除服务协议取消定点资格，并且两年内不得重新申报定点服务资格。</p> <p> </p> </div> <p class="Editor">编辑：赵彦 </p> <div id="i2i2jyu4k" class="Paging"> </div> <p class="Keyword">关键词：医?？ū涔何锟?#32;医?？ㄎス媸褂?#32;购药套现</p> <h1 class="pv_title_2 mt_15"><a href="/index.shtml" target="_blank" class="more mtb_14">更多</a><span id="i2i2jyu4k" class="t" id="a3"><a href="/index.shtml"><img src="/images/xg_t1.jpg" /></a></span></h1> <div id="i2i2jyu4k" class="pa_0_5_0_10"> <ul class="Related_ul bh_150"> <li><a target="_blank" href="/c/2017-02-20/1352185.shtml">患者看病偷盗别人医?？?#32;警方提醒:医?？ㄓι杳苈?/a></li> <li><a target="_blank" href="/c/2017-06-30/1626625.shtml">叫停刷医?？ń∩硎嵌砸奖ＶЦ对浇缇榔?/a></li> <li><a target="_blank" 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