How to solve the disadvantages of medical insurance payment through the third party

The rapid growth of medical expenses has become a * * problem faced by the operation of medical insurance systems in various countries. How to effectively control the rapid growth of medical expenses and ensure the sustainable development of the system has become the most important and urgent issue in the current medical insurance system reform. With the development of China's medical insurance system, the reform of payment system has become the main means and key to control the excessive rise of medical expenses. Scientific and reasonable payment system not only determines the effectiveness of medical insurance system, but also directly promotes the reform process and effective connection of "three medical services", which is the core and key of medical insurance system reform. At the same time, the reform of payment system has also become an important issue involving effective fund management and medical quality assurance. At present, the medical insurance reform is in full swing, and there are great problems in the payment system, which cannot be changed. The specific performance is as follows: (1) the payment pattern based on total prepayment has not yet formed; Decentralized payment is still serious; The passive payment situation has not been reversed; The payment standard is not scientific and reasonable enough; Payment efficiency is not fast enough; The regulatory capacity is seriously insufficient. In order to solve these problems, the reform of payment system should be led by insurers (fund payers), but the effect is not only determined by insurers, but also needs the coordination of insurers, doctors and medicines.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.