Weifang Urban Workers Medical Insurance System Reform Existing Problems And Countermeasures

In the many risks facing humanity, the disease risk serious harm, covers a wide range of complex and diverse, is directly related to basic human survival interests of the special risks. At the same time, as modern increase in the complexity of the disease, human health, the concept of change, as well as medical technology continues to progress, the rapid expansion of health care costs, making the basic medical insurance has become a world problem. The Weifang cities staff basic medical insurance system implementation time is not long, as well as basic medical insurance work's complexity, therefore present had various problems in the basic medical insurance aspect.First, the heavy burden of personal cost. Implemented over the past few years, the personal burden of medical expenses for the proportion of the total medical costs an average of 30 percent, the overall rate of increase to a certain extent, especially the civil service and state organs, the better the original economic enterprises, institutions, the medical staff is feeling insurance benefits have decreased significantly.Second, medical insurance "extended surface difficult." Part of good economic returns, complete with the ability to pay to unit holders, and they have the economic part of poor, and do not have the ability to pay can not be insured units.Third, the existence of moral hazard. Medical supply-side and demand-side moral risks of moral hazard, leading to a health insurance fund is to co-ordinate fund especially in a certain degree of wastage.Fourth, the basic medical insurance personal accounts inefficient.Individual accounts defuse the risk of medical costs, low management costs are high, facing the devaluation risk.Fifth, the payment age limit and the medical treatment not yet link up. No matter individual payment medical service insurance premium's how many, the payment age limit's length, enjoys the non-difference the medical insurance treatment. Sixth, it is the failure to implement the basic medical insurance payment minimum age, retired workers enjoy basic medical insurance benefits and the payment of premiums linked units. Retirees do not pay for the original unit or inability to timely payment and could not enjoy a normal medical treatment. Weifang City municipal improve the basic medical insurance system responses:First, must establish the brand-new basic medical insurance idea. The basic medical insurance's level must adapt with our country socialism initial stage productive forces level of development. The present stage must according to us the national condition, adopts the country, the collective, individual to undertake the medical insurance policy together realistically.Second, strengthened government's responsibility. The prompt adjustment basic medical insurance"three tables of contents", develop the community health service network vigorously, strengthens advances Shan Bing to plant the settlement, develops the management type medical service plan vigorously, takes the practical measure to expand the basic medical insurance coverage.Third, through strengthens individual specie payment, establishes all the people health insurance, speeds up the health organizational reform and the drugs circulation structural reform, the health insurance manages measures and so on hospital, the guard medical service demand side and the supplier moral hazard.Fourth, the desalination and cancels basic medical insurance individual account finally.Fifth, prevention fund deficit risk. Strengthens the medical insurance fund operational aspect the analysis and the predict that the standard fund financial management system, enhances the overall plan level, enhances the medical insurance fund to draft giving rate, strengthens the basic insurance fund control of expenditure, establishes the basic medical insurance reserve gold system.Sixth, practices the basic medical insurance lowest payment age limit system, the payment age limit and the medical treatment suspension hook.