摘要
基于2011年北京市农民工专项调研数据,从医疗服务可及性角度评估了不同医疗保险对农民工的实际保障作用。结果显示,一方面,城市的医疗保险提高了农民工的预防性医疗服务可及性,但新农合未能有效发挥作用;另一方面,城市的医疗保险和新农合都未能有效促进农民工的常规性医疗服务利用。究其原因,发现医疗费用垫付和异地报销制度是降低农民工常规性医疗服务可及性的主要原因,医疗费用不需要垫付或不需要回乡报销的医疗保险才能有效促进农民工在生病后选择医疗机构就医,同时降低自我医疗的可能性。
Using data from the special survey of rural-to-urban migrant workers in Beijing in 2011, we explored the insurance coverage of different health insurance plans to migrant workers from the perspective of health services accessibility. Our results showed that on the one hand, urban health insurance programs improved the preventive healthcare services for migrant workers, but New Rural Cooperative Medical Care System （NCMS） didn＇ t play a significant role in it. On the other hand, urban and NCMS health insurance plans both failed to promote routine health care utilization of migrant workers. As for the reasons, we found out that the requirement of personal ad- vanced payment and delayed reimbursement back in one＇ s home village were the main reasons for reducing their routine health care utilization. Migrant workers＇ utilization of routine health care could be improved only if immediate reimbursement is feasible, and this will also reduce the necessity of self-care.
出处
《保险研究》
CSSCI
北大核心
2013年第9期112-119,共8页
Insurance Studies
基金
"中央高校基本科研业务费"博士研究生科研资助项目(JBK1207074)
教育部人文社会科学研究青年基金项目(No.10YJC790206)
国家自然科学基金青年基金项目(No.71103009)
关键词
农民工
医疗服务可及性
医疗费用垫付制度
异地报销制度
migrant workers
health care services accessibility
the personal advanced payment system
reimbursement back in one＇s home village
