Research On Payment Method Of Shihezi Medical Insurance

In recent years,China’s economy has changed from a high-speed growth stage to a medium-high-speed development,and the economic growth rate has slowed down,but medical expenses have not slowed down with the economic growth rate.With the continuous improvement of people’s living standards and the desire for high-quality medical services,medical costs have continued to rise,and per capita medical costs have continued to increase.Therefore,reducing the burden of medical treatment for the masses,improving people’s livelihood,and maintaining social harmony and stability are the original intentions of the state to establish a medical security system.As an important tool in the medical security system,medical insurance payment methods have become the focus of attention of all parties.Based on this,in the research process of this article,the case study method,literature review method,analysis and induction method,trend analysis method and other research methods are mainly used to take Shihezi’s current payment method and fund status as the starting point,by retrospecting the recent payment methods.Changes and changes in related factors,then according to the research path of "combing the status quo-historical comparison-effect analysis-problem analysis-finding countermeasures-conclusions and inspiration",compare and analyze the advantages and problems of the total prepayment method for medical insurance payment,And then propose more scientific and reasonable coping strategies.This article takes the change of Shihezi’s medical insurance payment method as the background,based on the impact of the change of medical insurance payment method on the three parties of hospitals,patients,and medical insurance.Based on the concepts of medical insurance and principles in economics,analyze the current status of Shihezi’s medical insurance payment methods,and compare the impact of the original payment by service items and the current total prepayment method on hospitals,patients,and medical insurance.The advantages of payment of service items lead to the following conclusions: The payment of medical insurance in the form of total prepayment helps guide the allocation of medical resources,helps control the unreasonable increase in medical expenses,and helps regulate the behavior of medical services.At the same time,it summarizes the existing problems in the payment method of medical insurance in Shihezi,draws on the theories and experiences in work and study,and then proposes four measures: establishing out-patient out-of-pocket payments to meet the medical needs of the masses;setting up special development funds to support medical technology upgrading;Introduce hybrid payment methods to increase the flexibility of payment methods;strengthen the management of income and expenditure of medical insurance funds.It is hoped that through the efforts of all parties,it can provide relevant ideas for Shihezi to formulate a more comprehensive medical insurance payment system,so that the medical insurance payment method can effectively improve the livelihood of the people,while improving the people’s access to quality medical care and satisfying the people.Increasing demand for quality medical care.