目前,我国基本医疗保险政策已为多数群众所接受,参保人员医疗消费的自我控制意识有所增强,医疗费用增长过快的局面得到初步控制,改革得到了企业和社会的一定理解和支持。但是随着改革的深入推进,部分参保人员个人医疗费用负担困难的问题逐步凸显出来,直接影响到了社会稳定和改革的进一步深化。妥善处理好这部分参保人员个人医疗费用负担困难的问题,已成为需要认真研究和解决的重要课题。个人医疗费用负担困难人员,主要是指患慢性病长期治疗服药的退休人员、患三种特殊病人员、得大病住院治疗需自费或自付费用较多的人员。造成这些 At present, the basic medical insurance policy in our country has been accepted by the majority of the people. The self-control awareness of medical insurance for insured persons has been enhanced. The situation of excessive growth of medical expenses has been initially controlled. The reform has been understood and supported by the enterprises and the society. However, with the deepening of the reform, some of the insured persons have become increasingly aware of the difficulty in paying the individual medical expenses, which has a direct impact on social stability and further deepening of the reform. To properly handle this part of the insured personal health care costs borne hard problems, has become an important issue that needs careful study and solution. Personal medical expenses burden difficult personnel, mainly refers to long-term treatment of chronic diseases, medication retiree, suffering from three kinds of special sick person, get serious illness hospitalized at their own expense or at their own expense more staff. Cause these