Abstract
BackgroundChina has achieved nearly universal coverage of the Social Basic Medical Insurance (SBMI), which aims to reduce the disease burden and improve the utilization of health services. We investigated the association between China’s health insurance schemes and health service utilization of middle-aged and older adults at different quantiles, and then explored whether the SBMI could help reduce the underutilization of health services among the middle-aged and older adults in China.MethodsSurvey data of middle-aged and older adults were drawn from the China Health and Retirement Longitudinal Study (CHARLS). A linear quantile mixed regression model was utilized to provide a comprehensive understanding of the relationship between SBMI and health service utilization, which was measured by the total medical expenditure. We took the New Rural Cooperative Medical Scheme (NCMS) as the reference level and examined the associations of the Urban Employee Basic Medical Insurance (UEBMI) and the Urban Resident Basic Medical Insurance (URBMI) with health service utilization.ResultsThe quantile regression analysis revealed a significant positive association between URBMI and health service utilization at the 0.75 (β = 1.608, p < 0.01), 0.8 (β = 1.578, p < 0.01), 0.85 (β = 1.473, p < 0.01), 0.9 (β = 1.403, p < 0.01) and 0.95 (β = 1.152, p < 0.01) quantiles, and also a significant positive association between UEBMI and health service utilization at the 0.85 (β = 1.196, p < 0.01), 0.9 (β = 1.070, p < 0.01) and 0.95 (β = 0.736, p < 0.01) quantiles. Results showed that URBMI was significantly associated with an improvement in inpatient health service utilization of the middle-aged and older adults, and a significant positive association between UEBMI and inpatient health service utilization was observed at 0.1 (β = 0.559, p < 0.01), 0.25 (β = 0.420, p < 0.05), 0.5 (β = 0.352, p < 0.05), and 0.75 (β = 0.306, p < 0.05) quantiles.ConclusionsInequity in health service utilization exists among the middle-aged and older adults across urban and rural Chinese areas, and it can be explained by the different reimbursement benefits of SBMI types.
Highlights
China has achieved nearly universal coverage of the Social Basic Medical Insurance (SBMI), which aims to reduce the disease burden and improve the utilization of health services
In the case of controlling the demographic and control variables, a significant positive association between the Urban Resident Basic Medical Insurance (URBMI) and health service utilization at 0.75 (β = 1.608, p < 0.01), 0.8 (β = 1.578, p < 0.01), 0.85 (β = 1.473, p < 0.01), 0.9 (β = 1.403, p < 0.01) and 0.95 (β = 1.152, p < 0.01) quantiles was observed. These results demonstrated that URBMI was significantly associated with an improvement in health service utilization of the middle-aged and older adults, but at higher quantiles, the improvement in utilization of health services was smaller
Urban Employee Basic Medical Insurance (UEBMI) was significantly positively associated with health service utilization at 0.85 (β = 1.196, p < 0.01), 0.9 (β = 1.070, p < 0.01) and 0.95 (β = 0.736, p < 0.01) quantiles. These results showed that UEBMI was associated with an improvement in health service utilization of the middleaged and older adults at these quantiles, but this utility in health service utilization was smaller at higher quantiles
Summary
China has achieved nearly universal coverage of the Social Basic Medical Insurance (SBMI), which aims to reduce the disease burden and improve the utilization of health services. We investigated the association between China’s health insurance schemes and health service utilization of middle-aged and older adults at different quantiles, and explored whether the SBMI could help reduce the underutilization of health services among the middle-aged and older adults in China. The Social Basic Medical Insurance (SBMI) system that integrates the urban and rural sectors has achieved nearly universal coverage in terms of participation rate. Previous literature showed inconsistent results on the relationship between the SBMI and health service utilization, i.e., some studies reported that medical insurance could help increase health service utilization and improve health outcomes [2,3,4,5,6,7], while some others yielded different outcomes [8, 9]. Whether the SBMI achieves equitable utilization of health services needs further investigation
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