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医保即医疗保险,为补偿疾病所带来的高额医疗费用的一种保险。简单地说,医保是帮助疾病患者减轻医疗负担的一种行为,并且是由国家作为医保依靠的一项惠民的政策。近年来,医院就医的病人中高达百分之四十的患者属于医保患者,可是医疗费用却明显偏高,且医疗费用和药品费用超过了国家规定的比例,从而造成部分地区的医疗保险基金出现透支现象,非常不利于医疗保险的持续发展,且没有真正的发挥医保的实用价值。本文主要通过对医保病人费用过高现象进行简要分析,探讨其主要原因和有效的应对措施。
Medicare is the medical insurance, to compensate for the high medical expenses caused by a kind of insurance. Simply put, health insurance is an act that helps patients to reduce the medical burden and is a Huimin policy relied on by the state as a medical insurance. In recent years, as many as 40% of patients admitted to the hospital are covered by Medicare, but the medical expenses are obviously higher and the medical expenses and the costs of medicines exceed the proportion stipulated by the state, resulting in the emergence of medical insurance funds in some areas Overdraft phenomenon, is not conducive to the continued development of medical insurance, and did not really play the practical value of health insurance. This article mainly through the brief analysis of the phenomenon of medical insurance patients overcharged to explore the main reasons and effective countermeasures.