The Research Of Off-site Medical Treatment With Basic Medical Insurance In Hubei Province

[Purpose] This paper aims to find out the difficulties and risks of medical treatment in different places by combining the development of medical treatment in different places and the experience of reform of other countries and provinces and cities.The solution of ideas and countermeasures.[Methods] First,the use of expert advice on the design of the subject and other aspects of assessment and guidance.In this paper,the literature research method is used to understand the historical evolution,policy system,development status and scholars’ status quo of scholars in different fields across the country.Second,according to the collection of 21 provincial administrative areas of remote medical treatment policy,analyze the specific practices around,from the theoretical analysis of the different places around the medical system design.Thirdly,using the fund operation data of the new rural cooperative medical system in Hubei province from 2009 to 2015,the empirical study on the situation of medical treatment in Hubei province is carried out from 19 to 2015 in Hubei province.In addition,X city as an example,the basic medical insurance for urban residents in the field of medical treatment quantitative analysis.The descriptive analysis,variance analysis,chi-square test,linear regression and other statistical methods were used to describe and compare the data of local medical treatment,demographic characteristics,medical expenses and medical insurance.Quantitative analysis and qualitative research combined with the basic medical insurance in Hubei Province to conduct an objective analysis of the status quo.[Results] New rural cooperative county(province,city)attendance rate increased year by year,the township,the basic medical institutions patients continued to drain,while the county outside the treatment costs are relatively high,leading to the fund to the higher level,the total expenditure increased.Urban workers,urban residents basic medical insurance is facing a similar situation,remote base for medical treatment is small,fast growth,the proportion of high occupation of the fund.In addition,the actual proportion of patients seeking medical treatment in different places is much lower than the theoretical reimbursement ratio.The economic pressure of patients seeking medical treatment in different places.There are economic risks and social risks in the macro level.There are policy risks and industry risks in the middle view,and there are moral risks and fund risks in the micro level.[Conclusions] Proposed to upgrade the overall level,the establishment of networking settlement platform to promote the allocation of resources and basic medical services equalization,to combat illegal insurance fund behavior and other aspects of the proposal to protect the residents to enjoy better medical services to promote the smooth development of medical work in different places.The risk control and circumvention of the basic medical insurance on the remote medical treatment to increase the government to increase health investment,to strengthen the management of floating population,policy development to avoid the risk of medical treatment in different places,strengthen the government to promote and supervise the role of restrictions on personal moral hazard and other recommendations.