Analysis on Medical Insurance Payment Pattern between China and America

Abstract

Medical insurance payment pattern plays a key role in the control of medical insurance expenses, and is also the key and difficult point in health insurance reform, so it is of great significance to do some research on this area. The paper introduces the medical insurance payment ways of China and America and their advantages and disadvantages, and finds out the advantages of American medical insurance payment methods, through comparing analysis in order to learn some experience. The purpose is to provide good suggestions for Chinese medical insurance reform, which includes carrying out the total prepaid amount, to adopt capitation payment method and to adopt commercial insurance as the leading medical insurance model, and to promote the development of China’s medical insurance system.