医保异地结算实践探讨

新医改以来,从基本医疗保险关系转移接续到各地医保跨省联网实践,我国医保异地结算工作正在逐步建立完善。本文从目前已实行异地结算的地区实践中总结典型模式,分析实施过程中面临的问题,提出政策建议。     

实现异地医保是“医改”的必由之路

异地医保是推进全民医保的主要障碍。本文分析了异地参保、异地就医、异地报销等医保问题,提出了解决异地医保的主要途径,即统一全国医保政策、统一数据信息标准、统一网络系统、统一结算方式、实现全国统筹,最后达到全民医保。     

跨省异地医保联网直接结算的发展现状及问题分析

跨省异地医保联网直接结算已经从网络搭建阶段转入便民惠民阶段,为进一步推进异地就医医疗费用直接结算工作,从参保地备案、联网直接结算、医保政策、结算范围、报销待遇、费用监管等整个就医流程各环节分析存在的问题,针对性地提出完善跨省异地医保联网直接结算的策略建议。     

跨省异地就医的医保基金监管路径研究

目前,跨省异地就医的医保基金监管未能匹配就医需求的增长,存在伪造变造票据材料、医保报销“信息差”、冒用他人身份、过度诊疗等欺诈骗保风险。对此,设计了基于客观数据、引入智能审核、规范各方权责、加强部门联动的跨省异地就医医保基金监管路径,以期提高医保基金使用效率。     

医保漫游——一张从广州伸出的异地就医网

在推进异地就医即时结算上。广州是国内城市的先行者之一。     

推动医保异地就医即时结算

2009年,党中央、国务院启动了新一轮医改。全民基本医保体系基本建立。目前,职工医保、居民医保和新农合三项基本医疗保险覆盖面〉95％,保障水平明显提升,为13亿人口织起了看病就医的安全保障网。     

异地医保实时结算的支付模式研究

针对跨省异地就医实时结算的支付模式难以界定的现状,分析了处理跨省异地医保实时医保结算时必须解决的3项关键问题,提出了可供选择的解决方案,为实现跨省异地就医医保实时结算进行了有益的探索。课题的实施对于推动跨省卫生协同服务水平的提高具有重大意义。     

异地就医与医保、农保接口解决方案及其实现

为适应医保改革的需要，开展参保人员异地就医结算是医院面临要解决的问题。本文阐述我院异地医保接口的解决方案及其实现。     

我国跨省异地医保联网直接结算的问题与策略研究*

跨省异地医保联网直接结算已经从网络搭建阶段转入便民惠民阶段,政策的实施将为患者、医保经办机构、医疗机构和整个社会四方面带来利益和潜在风险。从信息系统、医保政策、结算范围、报销待遇、备案管理和费用监管等方面分析存在问题,针对性的提出完善跨省异地医保联网直接结算的策略建议。     

医保对象对职工医疗保险制度反应性的分析

该文对享受上海市城镇职工基本医疗保险的市民进行随机抽样调查,就其对医保政策的评价和就医行为反应性改变,分析医保改革的有效性和震荡度.提出加强医保法制建设,强化费用分担意识,完善医保政策,进一步体现福利性、公益性、公平性.     

异地就医结算系统的设计与实现

根据异地就医业务的现状及其目标需求,设计了异地就医结算系统架构流程,并对相应的目标功能模块予以说明。     

新医改对我国医疗保障制度发展的影响

在新医改的背景下,财政投入、政策导向和社会环境都为医疗保障制度提供了良好的发展机遇。本文分析了公共卫生体系、医疗服务体系和药品供应保障体系的改革对医疗保障制度的影响,并提出了促进医保制度发展的政策建设。     

卫生服务与医疗保障管理体制的国际趋势及启示

本文在分析医疗卫生服务、医保基金、参保人群三方相互关系基础上,论述了理顺医保基金与卫生服务两大体系之间相互关系的必要性和重要性。文章根据国际上卫生服务与医疗保障管理体制的发展变革趋势,提出应该重视"一手托两家"的体制建设,促使卫生服务体系与医疗保障制度更好地满足患者的需要和时代的要求。     

促进医疗卫生事业和谐发展的财政机制

中共十七大已提出“病有所医”的民生建设发展方向，中央有关部门不断推进医疗卫生改革。如何建立有效的财政机制，促进中国医疗卫生事业的持续发展，是构建中国社会主义和谐社会的一项关键内容。本文认为，卫生事业、财政发展与构建和谐社会有着密不可分的联系，促进医疗卫生事业和谐发展的公共财政机制包括：“健康改善机制”、“提高医疗卫生服务的需求机制”以及“公共卫生资源有效形成与配置机制”。     

Health insurance and imperfect competition in the health care market

We show that when health care providers have market power and engage in Cournot competition, a competitive upstream health insurance market results in over-insurance and over-priced health care. Even though consumers and firms anticipate the price interactions between these two markets - the price set in one market affects the demand expressed in the other - Pareto improvements are possible. The results suggest a beneficial role for Government intervention, either in the insurance or the health care market.     

我国现行职工医疗保障制度中几个亟待解决的问题分析

为职工提供必需的、可负担的基本医疗是我国城镇职工医疗保障制度改革的目标。然而。在医疗保险制度设计、补偿机制和医疗机构、药品流通体制配套改革中出现的问题，使得现行医疗保障制度与这一目标尚有很大的差距。本文旨在通过对现行制度中所存在问题的分析，为进一步深化城镇职工医疗保障体制改革提供政策依据。     

The Canadian health care system: A model for America to emulate?

The American health care system has the world's highest per capita costs and over 30 million citizens uninsured. The neighbouring Canadian system provides coverage for all basic medical and hospital services, at costs per capita that are about US$700 lower. Single-agency public funding allows tighter control of Canadian expenditures, and reduces administrative overheads. Hospitals are run as non-profit private corporations, funded primarily by a fixed annual allocation for operating costs. Most physicians are in private fee-for-service practice, but cannot charge more than the insured tariff negotiated between their provincial government and medical association. This approach, while attractive in its decentralization, tends to separate the funding and management of clinical services. Thus, hospital information systems lag a decade behind the USA, managed care initiatives are few, health maintenance organisations do not exist, and experimentation with alternative funding or delivery systems has been sporadic. Strengths of the system compared to the USA include: higher patient satisfaction, universal coverage, slightly better cost containment, higher hospital occupancy rates, and reduction in income-related rationing with more equitable distribution of services. Weaknesses in common with the United States are: cost escalation consistently outstripping the consumer price index with costs per capita second highest in the world, ever rising consumption of services per capita, inadequate manpower planning and physician maldistribution, poor regional co-ordination of services, inadequate quality assurance and provider frustration. Additional weaknesses include: an emerging funding crisis caused by the massive federal deficit, less innovation in management and delivery of care as compared to the USA, implicit rationing with long waiting lists for some services, and recurrent provider-government conflicts that have reduced goodwill among stakeholders. Thus, while the Canadian model has important advantages, it does not offer a panacea for American health care woes.     

Billing system and health care utilization: Evidence from Thailand

We examined the role of billing processes in health care utilization by exploiting a shift in provider payment from fee-for-service reimbursement towards fee-for-service direct disbursement for outpatient services in Thailand. Specifically, prior to October 2006, affected patients had to pay the full cost of outpatient treatment and subsequently received reimbursement; thereafter, these payments can be sent directly to the providers, without patients having to pay anything upfront. By using nationally representative micro-data and a difference-in-difference methodology, we show that the direct disbursement policy leads to an increase in outpatient utilization among the sick. This non-price change has long-lasting impacts and particularly increases the health care utilization of sick individuals who are living in rural areas, are less educated and earn low incomes. These findings suggest that direct disbursement helps to increase liquidity constraint individuals’ health care utilization. The results emphasize the effectiveness of behavioural interventions in health policy making.