Research On The Current Situation And Effect Evaluation Of Medical Insurance Poverty Alleviation

Objective: By investigating the implementation of medical insurance poverty alleviation in one county in Liaoning Province,this study evaluates the implementation effects of medical insurance poverty alleviation policies,summarizes the implementation effects and existing problems,and provides suggestions for the county’s current medical insurance policies,so as to provide a reference for China’s medical insurance.Methods: Use the literature research to study the implementation of medical insurance’s poverty alleviation in various provinces in China,compare and analyze domestic and foreign medical insurance poverty alleviation policies,to provide reference for the research of medical insurance poverty alleviation;Interview method was used to master the implementation of policies in the investigated area;descriptive statistics method was used to analyze the general situation of disease coverage,beneficiary number,compensation ratio and other indicators,and the implementation effect was summarized by using the burden reduction index(BRI)and disease relative risk.Results: According to the actual situation,various provinces have successively introduced medical insurance poverty alleviation policies,and adopted measures such as insurance payment subsidies,lowering the payment line,canceling or increasing the ceiling line,and increasing the reimbursement ratio for the poor.In this study,the following measures have been taken in the implementation of the poverty alleviation policy: a large investigation has been carried out on the participation of poor people in the insurance;To establish a comprehensive management ledger for poverty alleviation targets of medical insurance;Improve the "one-stop" service system.In the sample of the poor population,all the poor people have been insured,and the proportion of male with medical expenses is slightly higher than that of female,and the elderly aged 60-80 are the main group of patients.The most common diseases were circulatory system diseases(1394 cases),accounting for54.09%,followed by respiratory system diseases(346 cases),accounting for 13.43%.The BRI was higher than 0.8 after compensation for basic medical insurance,critical illness insurance,and medical assistance,which effectively reduced the patient’s personal out-ofpocket expenses and greatly reduced the medical burden of the poor.The BRI of gender and number of hospitalization variable subgroups were higher than 0.80.The BRI of most subgroups of age and disease variables is higher than 0.80,reaching the relatively safe zone of BRI,and the burden reduction effect of all subgroups is satisfactory.After all compensations,a total of 2002 cases(77.69%)were in the relatively safe zone,of which there were 1041 and 961 cases in the low-risk and high-risk intervals,accounting for 74.25%and 81.79% of the cases without BRI impact,respectively.Conclusion: All provinces in china have established poverty alleviation policies for the poor with basic medical insurance,critical illness insurance,and medical assistance.In this study,the medical insurance measures for poverty alleviation in a county in Liaoning Province have achieved certain results in terms of the entire county’s impoverished population’s enrollment,medical security and medical expense reimbursement process optimization,but it also highlights the imbalance and inadequacy of medical insurance poverty alleviation policies.Relevant departments should do a good job in linking up various security systems,formulate targeted poverty alleviation policies for the disease spectrum of the poor,actively explore multiple compensation methods,and promote the integration of medical insurance poverty alleviation and disease prevention to ensure the sustainability of medical insurance poverty alleviation policies.