沈阳市城镇参保职工个人账户认知与使用调查  

Survey of the cognition and use of insurant individual accounts in Shenyang

作　　者：金喆[1] 冯旭[1] 赵宇丹[1] 王波[1] 张继兴[1] 韩春丽[2] 任莹[2] 史爽 

机构地区：[1]沈阳医学院,辽宁沈阳110034 [2]沈阳市社会医疗保险管理局,辽宁沈阳110031 [3]辽宁省金秋医院,辽宁沈阳110015

出　　处：《现代预防医学》2015年第8期1429-1432,共4页Modern Preventive Medicine

基　　金：辽宁省软科学研究计划课题(2012401032)

摘　　要：目的了解沈阳市城镇职工基本医疗保险个人账户认知与使用中存在问题并提出建议。方法采用多级随机抽样方法抽取沈阳市7 087名城镇参保职工进行问卷调查,采用SPSS13.0建立数据库,使用描述性分析和卡方检验方法进行统计分析。结果参保职工对个人账户相关信息知晓率不高,71.65%的人不知道医保卡可以累计并计息,73.15%的人不知道医保卡可以继承,不同年龄、性别、文化程度、单位类别的参保人员在知晓医保卡的划拨比例、缴纳住院门槛费、缴纳个人自付费用、可以继承等方面差异有统计学意义(P<0.05);个人账户使用情况较好,不同年龄、单位类别参保人员在去医院看病使用医保卡上差异有统计学意义(P<0.05);不同年龄、性别、文化程度、单位类别参保人员在去药店购药使用医保卡方面差异有统计学意义(P<0.05);改革意愿方面,39.18%的人认为应降低个人缴费比例,仅6.62%的人赞成取消个人账户。结论应普及医保卡相关知识和政策,加强医疗保险个人账户的使用和管理监督,并扩大个人账户使用范围。Objective This work aimed to understand the problems in the cognition and use of individual accounts of Shenyang medical insurance, and further to propose suggestions on the basis of survey result. Methods Multistage random sampling method and the self-made questionnaire were used to survey 7087 Shenyang urban insurants. Software SPSS13.0 was used to establish a database. The data were statistically analyzed by using descriptive analysis and chi square test. Results The rate of insurant＇s cognition to individual account is relatively low. 71.65% of them do not know that the money in medical insurance card can be saved and carries interest, and 73.15% of them do not know that the medical insurance card can be inherit. The status of cognition of insurants differed with their age, gender, education and occupation unit, and their cognition to different categories of medical insurance card information such as allocate proportion, admission threshold charge, the individual payment, and heritability significantly also varied with their own background（P0.05）. The rate of using individual account service was relatively good. The rate of using medical insurance card for hospital visit and pharmacy also significantly varid with the background of insurants（P〈0.05）. On the aspect of the reform of medical insurance, 39.18% of insurants suggest to reduce individual payment, and only6.62% support the abolition of individual account. Conclusion It is necessary to improve the education on medical insurance individual account, to strengthen management and supervision, and to further expand the use of individual account.

关 键 词：城镇参保职工 个人账户 认知与使用 

分 类 号：R197[医药卫生—卫生事业管理]