Research On Payment Of The Fund Of Basic Medical Insurance For Urban Workers

Basic Medical Insurance System for Urban Employees in China is an important component part of the Medical Security System. Since1999, after13years of development, Compared with other current medical insurance system in our country,Basic Medical Insurance System for Urban Employees is the first implementation and a relatively perfect insurance system of primary medical treatment. Basic Medical Insurance System for Urban Employees’ healthy, stable and sustainable development, not only helps to find beneficial experience for other medical insurance system in China, and helps to improve the existing medical security system construction in our country. In recent years, along with the accelerating process of population aging, and the continuous improvement of health consciousness, town worker’s basic medical treatment expense rising year by year, at the same time, after many years of accumulation, town worker’s basic medical treatment insurance fund leading to excess over the years as a whole fund account balance. Increasing of medical expenses, make the medical insurance fund expenditure pressure increasing; Medicare fund balances accumulate too much, not only caused the ginseng treatment of medical treatment insurance of the person cannot be improve, and reduces the efficiency of fund using, increase the fund management costs. Therefore, how to have effective management mode of medical insurance fund pays, make its cannot only control the medical insurance fund overspending, and can improve the using efficiency of funds, is currently the focus of the medical insurance fund management work, is also a the top priority to further improve of Basic Medical Insurance System for Urban Employees.This article Based on town worker medical insurance fund payment fee as the main content of research, through learning the successful experience of foreign countries’ medical insurance fund pays, in-depth analysis of factors influencing the three aspects of medical insurance fund expenditure, and combining with new healthcare reform’s targets, tasks, and requirements, from the supply and demand two aspects, reach the medical insurance fund payment deeply. At the same time with the Yunnan provincial at the corresponding level as an example, based on the present status of urban employee basic medical insurance fund pays is an objective analysis, carefully combed those problems in the process of actual spending of medical insurance fund, finding out the causes of the problems, then to finally find out effective ideas and methods for the management of medical insurance fund, to perfect the urban employees’ basic medical insurance system and the deepening medical and health system reform in order to provide the beneficial reference. This article mainly includes the following content:Firstly, described the reason of selected topic and the significance of research, expound the basic ideas of the research, described the specific content and introduced the main research methods of the research. Meanwhile studied the fund payment status at home and abroad, and evaluate the implementation of new healthcare reform in our country. Secondly defines relevant concepts used in this paper, and having a comparative study on medical insurance payment and its influencing factors. Thirdly at the corresponding level in Yunnan province as an example, introduced and analysis the corresponding level urban employee basic medical insurance funds payment status in Yunnan Province, from ginseng, fund income and expenditure, fund balance, outpatient and hospitalization medical expenses etc. Last but not least, through to the Yunnan province at the corresponding level urban employee basic medical insurance fund to pay for the problems existing in the concrete analysis, respectively from fund expenses, medical expenses, fund balance policy, fund payment and fund control and interests between supply and demand, find existing problems, and analysis the root causes of problems, Finally, based on the above data analysis results, summarizes the reasons of the problems, and puts forward policy recommendations for effective operation and management of the medical insurance fund, for the future to further advance China’s medical and health system reform and perfect our country current town worker’s basic medical treatment insurance system.