Decoding of the FFOMS, the main functions and tasks of the fund, the budget of the organization

The Federal Compulsory Medical Insurance Fund (hereinafter referred to as "the Fund" or "Fund") is a state fund established to finance medical care for the population of the Russian Federation. The fund is extrabudgetary, that is, the money for financing is allocated not from the state budget, but from the funds coming from the insured (citizens and legal entities). FFOMS is a non-profit legal entity, a financial and credit organization, has an independent balance and own property.

Explanation of FFOMS

Consider each word from the title. What does it mean and why is it chosen?

• Federal. The Fund is centralized at the federal level, has its own territorial offices in every constituent entity of the Russian Federation, and the basis of its activities is regulated by federal laws.
• Fund. This is a non-profit organization that has its own budget, designed for a specific social and social goal - providing quality free medical care to the population.
• Mandatory. This term means that all citizens of the Russian Federation must be insured without fail. According to the Constitution of the Russian Federation, every citizen has the right to receive free medical care from the state, and in order to properly organize it, everyone must pay insurance contributions (independently or through the employer) to the Fund, from which they will be spent.
• Medical. The main goal of the Foundation is medical care, that is, rendering assistance to people who have health problems.
• Insurance. This is a special kind of economic relations in the state, in which citizens are paid certain insurance premiums, accumulate in one place, and in case of need are given back to citizens in the form of an insurance amount or insurance service.

Thus, the interpretation of the FRIF is not difficult - it is enough to have a general understanding of the terms used in the Russian Federation to designate important organizations.

State regulation

The activities of the Fund are regulated by the legislation of the Russian Federation at the federal and regional levels. The main documents on the basis of which the main body and its territorial branches operate are:

1. The Constitution of the Russian Federation.
2. FZ of 29.11.10 "On compulsory medical insurance in the Russian Federation".
3. Charter of the Foundation.
4. Decisions of the Armed Forces "On the procedure for financing compulsory medical insurance of citizens" for each year.
5. Budget Code of the Russian Federation.
6. Other legislative acts of the Russian Federation.

Functions of the fund

The main functions of FFOMS are the tasks that it performs to achieve the main goal of its creation - to ensure financing of medical care for citizens. They are fixed in point 8 of Ch. 6 of the Law on Insurance and state that the FFOMS:

1. Participates in the development of the main program for providing free medical services.
2. Accumulates and manages financial resources to ensure the program.
3. Aligns the conditions for securing financing for territorial bodies.
4. Supervises the activities of territorial bodies and the targeted use of financial resources within the program.
5. Supervises the compliance by subjects of insurance of the conditions for using funds within the program and their mandatory contributions.
6. Has the right to charge and collect from policyholders (individuals and legal entities) arrears, fines and penalties, which are sent to provide medical care to nonworkers.
7. It maintains its own accounts, establishes its forms, determines the accounting procedure, publishes regulations and forms of documents, and issues the necessary instructions within its authority.
8. It maintains unified registries of organizations that provide medical care and medical insurance, registers of quality experts and insured citizens.
9. Carries out other functions within the limits of the powers.

MHI policy

The main document issued by the Mandatory Medical Insurance Fund and for which a Russian citizen has the right to receive free qualified medical care is a policy.

The policy can be obtained from the territorial bodies of the Federal Migration Service or the commercial organizations to which the Fund delegated its authority to issue policies (insurance medical companies).

To apply to the local MHIF body (or to those organizations that have been given the necessary powers for insurance), only a passport is required, when applying for a policy for a child, a certificate of his birth must be provided. After receiving the application, employees issue a temporary certificate (for a period of 1 month), which allows you to use all services on the policy until the moment it is actually received.

What is the budget of the fund?

In order to understand what makes up the budget of the fund, it is necessary to remember which abbreviation decryption. FFOMS receives money from so-called social contributions, which are paid to the Pension Fund and make up for 2014 22% (with an annual salary of 624 thousand rubles). The tax of the FFOMC is 5.1% of this amount. If the annual amount of income exceeds 624 thousand rubles, then the contribution from the subsequent amounts to the Pension Fund is 10%, and only 3.7% are deducted to the Fund.

In addition, there are separate categories of organizations for which reduced rates of insurance premiums are set.

The tax is paid to the Pension Fund on a quarterly or monthly basis, depending on the form of the organization and the taxation system (UTII or simplified tax).

Conclusion

Thus, the interpretation of the FFOMS is quite accessible and understandable to all citizens of Russia, because we all apply for medical services under the MHI policy and pay taxes to replenish the Fund's budget.