Study On The Problems And Countermeasures Of Basic Medical Insurance For Urban And Rural Residents Of City C

basic medical insurance for urban and rural residents is a guaranteed policy for the people.this policy could Balance urban and rural development and promote social harmony It is also related to the vital interests of ordinary people on each.Its reform and improvement has always been the unremitting pursuit of our party and the country.Since the completion of the integration of basic medical insurance for urban and rural residents in C City in 2009,it has been continuously developing and perfecting in exploration,and has achieved certain results while revealing many problems.Because it has a pivotal position in the entire social security system,its sustainable and healthy development makes the research of this system have great theoretical and practical significance.This paper takes basic medical insurance for urban and rural residents in C city as the research object.Through the analysis of its current operation status,it finds out the problems,analyzes the causes and proposes countermeasures.It hopes to provide some reference for the city's medical insurance work,and also gives other areas some experience reference.This paper firstly introduces the basic situation of C city and the related policies of basic medical insurance for urban and rural residents,and then the current status of basic medical insurance for urban and rural residents in C city from four aspects: insurance status,reimbursement,fund balance and operation management.After analysis,the five main problems existed: the growth of the number of participants was slow;the income and expenditure of the fund were unreasonable;the level of medical treatment was insufficient;the utilization of medical institutions was not balanced;the behavior of fraudulent fraud was frequent.The reasons for the above problems are mainly due to the low awareness of residents' participation in insurance,the lack of awareness and satisfaction of policies,the rapid growth of medical expenses and the unreasonable structure,the failure of the grading diagnosis and treatment system to be effectively promoted,the lack of legal systems,and the failure of regulatory measures.Finally,it puts forward five suggestions for the reform and improvement of basic medical insurance for urban and rural residents in C city: one is to play the government function to expand the participation rate;the other is to improve the medical expenses control mechanism and improve the fund's revenue and expenditure forecasting ability;It is to adjust the cost structure and promote the integration of the system;the fourth is to implement the grading diagnosis and treatment system and rational use of medicalresources;the fifth is to strengthen supervision and ensure the safe and stable operation of the medical insurance fund.