基于成本效益分析的城市医疗救助模式比较

Comparison of Urban Medical Financial City Assistance Mode Based on Cost-benefit Analysis

通过对当前城市医疗救助两种模式的成本效益分析,发现救助模式的转变并一定能够带来救助对象保障水平的提高,当前综合救助模式成本效益比率的高低与城镇居民基本医疗保险缴费标准、保障内容、实际补偿比例和参保对象医疗服务的利用情况息息相关。建议理性看待城市医疗救助模式转变,短期内通过选择性资助参保或者部门谈判争取医保政策倾斜,长远则通过扩展城镇居民基本医疗保险保障范围和提高保障水平,以及完善二次救助等措施来保障模式转换中救助对象保障水平的不断提高。

Through the cost-benefit analysis of the two modes,it is found that the transformation of medical financial assistance mode doesn’t necessarily bring increase of medical security.There are many key factors which are closely related to cost-benefit ratio of the comprehensive medical financial assistance mode,such as premium rate,protected content,the actual compensation rate of basic medical insurance and the utilization of medical services.To ensure the poor’s security level improving gradually,the govern-ment should take a rational view of the mode transformation.There are many measures for choosing,such as negotiating with relative department for a higher payment ratio in transitional strategies,enlarging the scope of citizens’ basic medical insurance and improving the insurance level for a long-term,and perfecting the second salvation to improve the salvation objects’ insurance level in insurance model transition.