Medical Insurance Payment Method Research In China

In recent years, with the rapid development of economy, the human health needsincreasing, but the rapid increase of the medical expenses impact on the human needs ofmedical treatment.The phenomenon that getting medical treatment is difficult and expensivehas become not only the bottleneck of restricting our economic development, but also thepolicy questions of medical insurance systemon exploration.In order to effectively reducemedical treatment of the supplier supplies, and medical buyer of excessive consumption,orgnaization of agency of medical treatment insurance needs to change the traditional, asingle payment method, explore the diversity of establishing a scientific and reasonablepayment, medical costs will control moved forward, to achieve "medical resource allocationrationalize" and "medical treatment to ensure effective " of the dual goal.Thoroughly understand the medical insurance payment reform important meaning, andon the basis of the author to town worker medical insurance system as the breakthrough point,the theoretical analysis and case analysis with the combination of research methods, pay modeto the related theory of as the basis, from the domestic and foreign medical insurance paymentdevelopment track, present situation and future trends and operation experience, withdongying city medical insurance system reform practice ten years as an example, the analysisof the current pay the way many disadvantages and the developing trend in the future, Exploreof establishing the effective way to pay for health care, improving and perfecting ourcountry’s medical insurance settlement supporting system.Full text is divided into five chapters.This paper first chapter medical insurance system and pay the connotation and basictheory way, this paper expounds the medical insurance payment of the main kinds and trendof development. The second chapter paper expounds the current medical insurance systemand pattern of settle accounts of expense of development, through the zhenjiang city,Shanghai and so on payment of exploration and practice, deeply analyzing the current medicalinsurance payment existing problems. Paper analyzed the third chapter the United States,Germany and other countries medical insurance payment method to learn the advancedexperience.Chapter four of the paper in dongying city as an example, dongying city medicalinsurance system and to pay the way the current status of development and gives a detailedintroduction, through the specific operation data, summarizes and analyzes the pay for themain problems existing in the system.The thesis in fifth chapter proposes suggestions for reforming and improving medical insurance payment method in our country.That is the socialinsurance law as the basis, in line with the scientific, reasonable and effective principle,determine the diversified composite payment, perfect medical insurance settlement supportingsystem, establish the medical insurance operation monitoring-check and supervision-guide forthe integration of the comprehensive incentive management system.