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建立统筹城乡的社会保障制度是我国社会建设的重要目标。如何建立统筹城乡的医疗保障制度,是我国建立统筹社会保障制度的难点之一。本文揭示了现行三大医保制度由于对象、筹资、缴费标准、偿付水平及实际报销率等具体方案设计不同,致使制度之间的相互衔接、整合存在难点与体制性障碍;分析了其政治、经济与体制性原因;提出了实现统筹城乡医保的建议。
The establishment of a social security system that integrates urban and rural areas is an important goal of our country’s social construction. How to establish a medical insurance system for overall planning of urban and rural areas is one of the difficulties in establishing the overall social security system in our country. This article reveals that the current three major medical insurance systems are different in their specific programs such as object, fund raising, standard of payment, level of repayment and actual reimbursement rate, resulting in the interconnection and integration of the system with the difficulties and the institutional obstacles. The political, economic And institutional reasons; put forward proposals for the overall planning of urban and rural medical insurance.