The Study On The Control Of Medical Insurance Expenditure For Urban Employees In Hengyang City

The basic medical insurance system for urban employees is a kind of social insurance systems,which is established to compensate employees for the economic losses caused by disease and risk.Through the medical insurance fund, the insured is able to get certain financial compensation as medical expenses,which can avoid or reduce the economic risk of illness diagnosis and treatment of illness for the laborers.As an important part of health care system in China,which including the basic medical insurance system for urban employees,the basic medical insurance system for urban residents and the new rural cooperative medical system,the coverage and the safeguard level of the basic medical insurance system for urban employees are increased year by year.However,like a "bottomless pit", the excessive growth of medical expenses swallowed the limited medical resources, and offsets the benefit of the improved medical insurance treatment virtually.With the excessive growth of medical expense, the medical insurance expense in Hengyang City appears a rapid growth trend accordingly. The gap of employee medical insurance fund which running with the operating principles, "to receive a fixed", "balance of payments",and "a slight surplus ", increases year by year.It severely restricts the development of the basic medical insurance system for urban employees. Therefore, how to take effective intervention measures for urban employees’ medical insurance expenses in Hengyang City to control the unreasonable growth, and how to make the use of medical insurance fund more scientific and more rational, are becoming the problems which the paper is to solve.According to the actual situation of the operation of the basic medical insurance fund for urban employees in Hengyang City, on the basis of reading a lot of related literature from home and abroad, and on the analysis of utilization multi-dimensional for 2004 and 2013 of the medical insurance expense by SPSS 16.0, this article adopts the research methods with both qualitative and quantitative analysis, applies economics,statistics and related social insurance theories, and establishes the relationship between the supply side,the demand side of medical service and the medical insurance fund expense, to determine the main factors which influence the growth of the medical insurance expense.Through the empirical analysis to the primary influence factor of medical insurance expense and the typical model of health care cost control experience at home and abroad for reference, the article puts forward the countermeasures on the expenditure control of the unreasonable growth of the medical insurance for urban employees correspondingly, from the perspective of the orgnaization of medical insurance, under the background of the new medical reform,which will not only make the medical insurance fund get rid of irrational expansion of the embarrassing situation,but also make the insured to enjoy medical treatment.