Research On The Development And Improvement Of The Basic Medical Insurance For Urban And Rural Residents In Dongping County

Urban and rural residents basic medical insurance,urban and rural development concept is the most important part of the party's eighteen major reports.The report,to the efforts of urban and rural development,should be strictly in accordance with national policies on accelerating the relevant requirements of the integration of urban and rural construction,promote the formation of a new pattern of integration of urban and rural areas in the fields of economy and culture.The the third Plenary Session of the 18th CPC Central Committee report also pointed out that the establishment of a more equitable and sustainable social security system,the basic medical insurance for urban and rural residents adhere to basic social pooling and individual accounts,improve the system of personal accounts,pay more than perfect incentive mechanism,to ensure that the insured's rights and interests protection,the formation has been gradually achieve national co-ordination.To achieve full coverage of basic medical insurance.One should adhere to the actuarial balance principle of institutions to promote the pension sector reform,the integration of the basic medical insurance for urban and rural residents basic urban and rural residents and urban and rural residents basic medical insurance,and promote the development of city and rural minimum living security system,the establishment of normal adjustment mechanism sound determination,to ensure that all social security personnel and fair treatment.The development of the basic medical insurance for urban and rural residents also has the problems such as the difference of treatment guarantee,the medical security system and so on,which affects the development and perfection of the whole medical insurance system in our country.This paper adopts the method of literature research,field investigation,questionnaire survey method,normative analysis and qualitative and quantitative analysis,through to the Dongping county urban and rural residents basic medical insurance development investigation and analysis,find out the emergence of urban and rural residents basic medical insurance problems in the development process,and finally puts forward the main countermeasures of development of urban and rural residents in the basic medical insurance in rural areas,in order to realize the harmony and development,realize the basic medical security,the conclusions are as follows:(1)the development of basic medical insurance for urban and rural residents in Dongping county has experienced two stages:first,the stage of urban and rural development stage,the two is the integration of urban and rural development stage.These two stages are the development of the basic medical insurance for urban and rural residents in our country.Through the two stages of development,the number of Dongping county to participate in medical insurance is increasing,the basic realization of full coverage on the design and development of urban and rural residents of Dongping County,the basic medical insurance effect,social security level is also rising,people's living standards improved significantly.(2)the basic medical insurance for urban and rural residents in Dongping County,there are also some problems in the process of development:one is the low standard,can not fundamentally reduce the burden of people,does not solve the fundamental problem of insurance;two is the reimbursement system is not reasonable,the reimbursement amount to reimbursement are there such as the lack of medical treatment is difficult and expensive problems that have plagued the masses.Three is the management mechanism is not perfect,the management mechanism is an important part of the basic medical insurance for urban and rural residents,and its not perfect led to the development of the basic medical insurance for urban and rural residents is slow.(3)the development of urban and rural residents in Dongping County,the basic old-age insurance problems:one is the defect of the system design,the system can not adapt to the development and the actual development of defect analysis of the design of the system is with other security system of urban and rural residents compared to the basic medical insurance and new rural cooperative medical insurance groups are non employees,the two in the highly homogeneous system of philosophy.The two is the government support is not enough,there are loopholes in supervision system,the process of the development of the basic medical insurance for urban and rural residents of Dongping county also appeared in the same with other local government support is not enough,in order to further enhance the level of government support,to further improve the management system,realize the integration of the service,to solve the government support is not enough,different departments lack of coordination,difficult issues such as cohesion,help to improve the management efficiency,enhance the standard of security and management of funds,to avoid repeated construction,subsidies,to achieve the equalization of public services,to provide efficient and convenient handling service for the insured.The supervision and management system is an indispensable part of urban and rural medical insurance,not only is the supervision of the work of medical insurance institutions,is a risk monitoring mechanism,supervision and management mechanism in essence is the risk control mechanism,so the supervision and management mainly focus on the future risk prediction and prevention,rather than risk consequences.(4)the further development of Dongping county development and improvement of urban and rural residents basic medical insurance should take the following measures:one is to perfect the legislation,strengthen the implementation,focusing on legislation is necessary,the basic medical insurance system for urban and rural residents of the stable operation of the guarantee is the perfect legal laws and regulations.The two is to improve the supervision system,ensure the use of funds,supervision and management mechanism is an important part of medical insurance management,supervision and management mechanism is the risk control category,is committed to the prevention of the risk of unpredictable risk consequences,instead of treatment.Three is to increase the proportion of reimbursement,to ensure the rights of the people.The basic medical insurance for urban and rural residents in the operation more transparent and efficient;four is to accelerate the construction of the basic medical insurance for urban and rural residents,the benefit of the masses,we should accelerate the innovation of basic medical insurance for urban and rural residents,protect the fairness of basic medical insurance for urban and rural residents,to benefit the masses.Five is to strengthen public opinion,improve the enthusiasm of urban and rural residents.The insured only to mobilize the enthusiasm of the masses,in order to promote the rapid establishment of the basic medical insurance for urban and rural residents and improve as soon as possible,to mobilize the enthusiasm of the masses is the means to strengthen propaganda,propaganda is one of the fastest spreading method.Six is to accelerate economic development,to lay a solid foundation,only to accelerate economic development in order to lay the material foundation for the basic medical insurance for urban and rural residents.