Poverty should not be set up to pay from line
Starting Line, also known as deductible to pay, is the risk of loss, prior to payment insurer must be insured themselves. Starting line set up to pay the purpose of regulating the conduct of policy holders, to avoid or reduce the moral hazard of insured damage caused by the act. In health insurance, set the starting line to pay to prevent or reduce unnecessary over-consumption of health services, to avoid or reduce to less expensive outpatient services into a more expensive in-patient services, to avoid or reduce the relatively cheap low-level Medical and health institutions into the use of very expensive high-level medical and health agencies to use. In short, starting line set up to pay for the beneficiary (insured patients), with the aim of regulating their conduct, which is to make resources can be effective tools to use.
Poverty is a kind of medical assistance in the process of establishing the health care system, which is the target population of vulnerable groups (low object, or Wubao Hu, poor people, etc.). For such a security system, of course, is how effective and fair use of its funds. However, whether it is appropriate to take the set in the starting line payment method?
I think: the poor medical assistance beneficiaries should not be used to set pay starting line.
Poverty relief should be a no obligation protection system, that is, the beneficiaries need not undertake corresponding obligations and direct access to the benefits of such protection. This is because they can not afford to assume this obligation due. However, in setting pay starting line, to enable them to obtain relief in a matter of fact, must assume responsibility. This "part of the responsibility" of the burden they would be able to block the gate of the benefit, and first of all to the poorest part of the file at the gate, it is because they can not pay for this part of the cost. In fact, the medical assistance system for poor design, and compensation than the ceiling line and requirements for beneficiaries to bear part of the cost. This makes it impossible for poor people to realize there is capacity to pay excessive medical spending. Of course, due to poor medical assistance funds are very limited, I also can not fully achieve the poverty-stricken population of full-scope safeguards, to adopt a certain way so that the beneficiaries of an "appropriate" share some of the cost seems to be necessary. The key is an "appropriate" time. This will require trade-offs and the level of fund-raising needs of the poor, in line with local conditions so as to the various sub-groups measured the level of its own. Even so, we should not set the starting line to pay, because the gate of a clear signal to all of a sudden may discourage the poor, for fear that they can not afford not dare use of medical services. At present, the poor, after all, the main problem is lack of utilization of medical and health services, policy-makers should foothold on how to encourage poor people to increase the effective use of medical services.
In the face of the establishment of a new type of rural cooperative medical system and the establishment of poverty in many parts of the medical assistance, we have seen a good convergence of the two systems in counties (cities), poor medical assistance funds not only to help poor farmers to participate in the new co-payment, To help poor farmers to pay the new compensation package provided for joint "cost threshold" (starting line to pay) and / or other needs to pay a total of the parts that make the poor so as to the medical and health services, to increase the use of health must be improved .
However, the country's overall situation, the vast majority of poor medical assistance to implement the county are set to pay from the line, and some local lines also starting to pay very high. According to the Ministry of Civil Affairs Division of the minimum security monitoring report, the national rural medical aid system to pay an average starting line (in 2006) to 637 yuan, the central region, the average pay from the line to reach more than 800 yuan, has met or exceeded the average income of poor people It is clear that poor people will curb demand for medical services. There were a few isolated provinces (autonomous regions) did not set up to pay starting line (for example, Shanghai), and some provinces (autonomous regions) in a number of counties (cities) did not play for pay line; However, there are a number of provinces from the line to pay more than 1,000 yuan, and some have even exceeded 2,000 yuan. It can be expected: the former's benefit and the proportion of people to benefit from rising above the level of the latter. From those who pay a very high line, if there is a greater savings, should make appropriate adjustments to the program, to reduce or cancel the pay starting line, so as to enhance the degree of benefit poor people.
