补充医疗保险对中老年人医疗服务利用的影响研究

我国基本医疗保障制度顶层设计逐渐完善,但针对部分高额医疗费用,基本医保的报销水平仍然有限,与基本医疗保险相衔、面向全体基本医疗保险参保人员的补充医疗保险将作为在更大范围分散风险的补偿手段满足人民群众的医疗需求,为此探究补充医疗保险对中老年人医疗服务利用的影响。 采用2018年中国健康与养老追踪调查（CHARLS）的数据,构建两部模型进行分析探究。 结果表明,补充医疗保险增加了中老年人体检、门诊和住院的可能性,同时减少了其在门诊费用支出。 因此,政府应鼓励居民购买补充医疗保险,以解决基本医疗保险无法满足患者的医疗服务需求的问题,同时为我国补充医疗保险发展提出相关建议。

Research on the Impact of Supplementary Medical Insurance on the Utilization of Medical Services for Middle-aged and Elderly People

The top-level design of China''s basic medical security system is gradually improving, but the reimbursement level of basic medical insurance is still limited for some high medical expenses. The supplementary medical insurance, which is linked with the basic medical insurance and is available to all the participants of the basic medical insurance, will serve as a compensation means to spread risks in a wider range to meet the medical needs of the people. Therefore, the impact of the supplementary medical insurance on the utilization of medical services for middle-aged and elderly people was studied.Data from the 2018 China Health and Aging Tracking Survey (CHARLS) were used to construct a two-part model for analysis. The result is that supplementary medical insurance increases the likelihood of medical checkups, outpatient visits, and hospitalizations for middle-aged and older adults, while reducing their expenditures on outpatient . The government should encourage residents to buy supplementary medical insurance, so as to solve the problem that basic medical insurance can''t meet patients'' demand for medical services, and relevant suggestions are put forward for the development of supplementary medical insurance.