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通过对当前城市医疗救助两种模式的成本效益分析,发现救助模式的转变并一定能够带来救助对象保障水平的提高,当前综合救助模式成本效益比率的高低与城镇居民基本医疗保险缴费标准、保障内容、实际补偿比例和参保对象医疗服务的利用情况息息相关。建议理性看待城市医疗救助模式转变,短期内通过选择性资助参保或者部门谈判争取医保政策倾斜,长远则通过扩展城镇居民基本医疗保险保障范围和提高保障水平,以及完善二次救助等措施来保障模式转换中救助对象保障水平的不断提高。
Through the analysis of the current urban medical aid cost-benefit analysis, it is found that the change of the aid mode will surely bring about the improvement of the security level for the assistance recipients, the cost-effectiveness ratio of the current comprehensive relief mode and the payment standard of urban residents’ basic medical insurance Content, the actual compensation ratio and the insured object utilization of medical services are closely related. Proposed rational view of the urban medical aid mode change in the short term by selective funding of social security or departmental negotiations for health care policy tilt in the long run by expanding the urban basic medical insurance coverage and improve the level of protection and improve the second aid and other measures to protect In the process of transformation, the level of bailout objects is continuously improved.