Study On The Reform Of Medical Insurance Payment Based On Cost Control

In recent years,the increasing medical costs has become a common problem of all countries in the world,China's ordinary residents often feel a high cost,many ordinary families suffer from poverty dilemma.The Chinese government in order to control the growth of medical costs has also taken a lot of measures,such as restrictions on drug prices,the implementation of medical separation mechanism to get rid of the medicine,classification management of hospital medical expenses,but still high.One of the most critical factors affecting our existing medical insurance payment.The medical insurance payment refers to the medical insurance agencies on behalf of the insured patients to pay fees to the designated medical institutions to provide medical services for patients.It is the key link of the whole medical insurance system.China has entered the era of universal health insurance,Medicare payment in fact is the core part of the health care reform,because under the background of national health insurance the Medicare payment scale,subject become health costs,is an important material basis of the medical and health services.And the choice of the payment of medical insurance,will directly affect the use and efficiency of medical insurance fund,is bound to standardize the medical service,the control cost growth It plays an irreplaceable important role in improving the utilization efficiency of medical resources.Medical insurance is mainly by the insured to pay medical expenses to achieve its effect against the disease risk,the medical service quality of different medical insurance payment will affect the medical expenses and the patients enjoy.Therefore,through in-depth study of the medical insurance payment mode,effect analysis of the advantages and disadvantages of each method of payment and cost control.For the stable operation of the medical insurance fund control,medical expenses,medical service needs insurance protection to absolute role.In this paper,through literature research,case analysis,comparative analysis,in order to medical insurance for urban workers in Nanchang as an example,study on the reform of the medical insurance payment cost control effect.Firstly,the medical insurance payment related concepts,describes the related theory of medical insurance payment and cost control as well as the concept of payment the advantages and disadvantages,clarify the relationship between the medical insurance payment and medical expenses,and points out that different payment methods will have differenteffects on the reform of medical expenses.Then analyze the case of Nanchang city urban workers' medical insurance payment,elaborated the Nanchang urban workers' medical insurance payment reform The background,contents,characteristics and analysis of Nanchang city urban workers medical insurance payment reform achievements and the existing problems.Through the balance of the medical insurance fund,the individual pays the proportion of hospitalization expenses and so on to the payment reform of cost control effect.At the same time to the domestic and foreign medical insurance payment reform were analyzed,obtained some experiences at home and abroad.By the end of the medical insurance payment of urban employees in Nanchang on the reform of Medicare payment and gets some enlightenment,the deepening of China's reform of the medical insurance payment in order to achieve total control,based on the disease and the score management,from passive to active.Policy recommendations.