Research On The Cost Control Of Basic Medical Insurance For Urban Workers Of The City Of Jin Jiang

With the continuous development and progress of society,people’s health care awareness continues to increase,a variety of medical insurance came into being.Medical insurance is an insurance for the cost of compensation for the treatment of the disease.The basic medical insurance for urban workers is the joint payment of insurance funds by the employing units and individuals.After the insured personnel are treated for treatment,the insurance agency is responsible for giving them some economic compensation to reduce the economic burden of the insured personnel.Urban workers to participate in basic medical insurance for urban workers,sick in the medical insurance sentinel institutions for treatment,and in accordance with the provisions of the proportion of a certain amount of health insurance compensation.The basic medical insurance system of urban workers is a kind of social medical insurance system which compensates the economic loss caused by the treatment of diseases by the urban workers.It is an important part of our social security system,which effectively reduces the economic pressure of the sick patients’ To promote the construction of a socialist harmonious society has played a positive role.With the increasing number of insured persons and the gradual increase of people’s health consciousness,the problem of rapid growth of basic medical insurance expenses of urban workers is obvious.It is necessary to take effective measures to improve the basic medical insurance system of urban workers,and to control medical insurance Of the growth rate,so as to ensure that China’s basic medical insurance system for the smooth development.In this paper,the theory of large number of rules,game theory,moral hazard theory and control theory are introduced into the control of basic medical insurance for urban workers.After analyzing the current situation of basic medical insurance cost control of urban workers in Jinjiang City,Medical insurance cost control is mainly due to the rapid growth of hospital medical expenses,the proportion of medical expenses accounting for the proportion of medical expenses is too large,the lack of medical treatment of patients,the proportion of non-scientific payment,medical insurance settlement system is unreasonable and medical insurance costs monitoring system is not perfect And other issues.At the same time,this article through the literature,respectively,the world’s earliest establishment of the social security system in Germany,the only developed countries do not implement universal health insurance in the United States and the implementation of national health insurance coverage of the United Kingdom and other three Western countries and Shanghai,Zhenjiang and Qingdao and other domestic typical cities as the research object,learn from domestic and foreign advanced medical insurance cost control experience.Finally,this article combined with the actual situation of Jinjiang City,respectively,from the medical service providers(mainly for health insurance designated hospitals),medical service demand side(insured patients),medical insurance agencies(Jinjiang City Medical Insurance Center)and strengthen government functions and The role of the four aspects of the proposed medical insurance payment method,the proportion of scientific control to pay,improve the medical service information release mechanism and other measures,hoping to control the growth of medical insurance costs in Jinjiang City play a role,and for other domestic urban workers Medicare cost control provides a reference.