重庆社会科学2024,Issue(2) :101-115.DOI:10.19631/j.cnki.css.2024.002.008

基本医疗保险下自付费用公平性研究

An Investigation of Equity in Out-of-Pocket Payments within Basic Medical Insurance

况贞勇 赵翔
重庆社会科学2024,Issue(2) :101-115.DOI:10.19631/j.cnki.css.2024.002.008

基本医疗保险下自付费用公平性研究

An Investigation of Equity in Out-of-Pocket Payments within Basic Medical Insurance

况贞勇 1赵翔2
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作者信息

  • 1. 广东外语外贸大学法学院,广东广州 510420
  • 2. 贵州大学法学院,贵州贵阳 550025
  • 折叠

摘要

基本医疗保险的实施降低了患者医疗费用负担,确保了基本医疗服务的公平性.为了确保医疗保险的可持续性并控制医疗资源的浪费,需要在兼顾医疗公平与效率的同时对医疗保险费用的供需两端进行管控,这是合理的举措.在供给端,推行医疗保险费用总额预付制虽然争议不断,但被认为是较为可行的方案;而在需求端,实行医保与患者分担付费模式与分级诊疗等则备受争议.而根据患者经济能力的差异实行区别对待与对相同的医疗需求提供相同的基本医疗服务之间存在公平医疗照顾理念的冲突.为了应对这一问题,建立自付费用等监测体系有助于检视基本医疗保险自付费用体系的公平性,成为调整保险给付标准的考量因素之一.此外,政府强化公立医院的公益性和增加保险人分担费用比例等举措,有助于确保患者获得公平的基本医疗服务.

Abstract

The implementation of fundamental medical insurance has alleviated the financial burden on patients regarding medical expenses and has upheld the equitable provision of essential medical services.Ensuring the long-term viability of medical insurance and curbing the inefficient use of medical resources necessitates a balanced management of both the supply and demand sides of medical insurance costs,aiming for a harmonious blend of medical equity and efficiency-a sensible approach.On the supply side,while ongoing debates persist about the prepayment system encompassing the entirety of medical insurance costs,it is widely regarded as a more viable solution.Conversely,on the demand side,models advocating shared payment responsibilities between medical insurance and patients,along with tiered diagnosis and treatment,generate considerable controversy..A conflict arises between the principles of fair medical care and the provision of identical basic medical services for similar medical needs,contingent upon differences in patients'economic capacities.Addressing this issue involves establishing monitoring systems for out-of-pocket expenses,which aid in scrutinizing the fairness of the basic medical insurance's out-of-pocket expense system.This becomes a pivotal factor in the consideration for adjusting insurance payment standards.Additionally,the government's reinforcement of the public service nature of public hospitals and augmenting the portion of insurance participants'contributions contribute significantly to ensuring the fairness of basic medical services for patients.

关键词

医疗公平/自付费用/社会性医疗保险/分级诊疗

Key words

equity of medical/out-of-pocket payment/social medical insurance/hierarchy of medical care

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基金项目

教育部哲学社会科学研究重大课题攻关项目(22JZD016)

出版年

2024
重庆社会科学
重庆市社会科学界联合会

重庆社会科学

CHSSCD北大核心
影响因子:0.627
ISSN:1673-0186
参考文献量54
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