Whether the Reform of Medical Insurance Pre-payment System can Reduce Medical Expenses:A Perspective Based on the Input of Medical Elements
This paper explores the effect and acting mechanism of China's medical insurance pre-payment system reform on medical cost based on the perspective of medical element input.By constructing a utility function theory model including doctors the equilibrium of medical input elements under the post-payment system and the pre-payment system was solved and compared,and the information of 124577 insured inpatients in the medical in-surance bureau was used for empirical test.The test concluded that after the payment mode of medical insurance was changed from the post-payment system to the pre-payment system,the total hospitalization cost of patients de-creased by 10.17％,the out-of-pocket amount of patients decreased by 27.67％,and the number of days in hospital decreased by 36.82％.In a certain sense,providers under the post-payment system tend to provide excessive medi-cal services,resulting in waste of medical resources,while the pre-payment system reform provides a path to make the quantity of medical services return to the optimal level of society,namely,the pre-payment system reform signif-icantly reduces the total hospitalization cost of patients,and its acting mechanism is to form a positive incentive for medical service providers.Specifically,it changes the utility function and behavior mode of doctors by reconstruct-ing the benefit pattern between doctors and patients.Corresponding policy recommendations are put forward based on theoretical and empirical results.
Reform of medical insurance pre-payment systemMedical servicesHospitalization expenses
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