| Literature DB >> 33213451 |
Yangling Ren1, Zhongliang Zhou2, Guanping Liu1, Chi Shen1, Dan Cao1, Tiange Xu1, Jane M Fry3, Rashed Nawaz1, Dantong Zhao1, Min Su4, Tingshuai Ge1, Yafei Si5, Gang Chen3.
Abstract
BACKGROUND: Medical Financial Assistance (MFA) provides health insurance and financial support for millions of low income and disabled Chinese people, yet there has been little systematic analysis focused on this vulnerable population. This study aims to advance our understanding of MFA recipients' access to health care and whether their inpatient care use varies by remoteness.Entities:
Keywords: China; Geographic access; Inpatient care use; Medical financial assistance (MFA); Moderation
Mesh:
Year: 2020 PMID: 33213451 PMCID: PMC7678078 DOI: 10.1186/s12913-020-05907-x
Source DB: PubMed Journal: BMC Health Serv Res ISSN: 1472-6963 Impact factor: 2.655
Summary of Medical Financial Assistance Scheme (MFA) at the national and provincial level
| MFA | China (National level) | Shaanxi Province (Provincial level) |
|---|---|---|
| Basic information | ||
| Implementation year | Piloted in rural areas in 2003 and urban areas in 2005; Implemented nationwide in 2008; Legitimized as an essential part of social assistance programs in 2014; Integrated rural and urban MFA in 2015 | Implemented in 2012 |
| Administration | Ministry of Civil Affairs of China | Originally administered by Ministry of Civil Affairs of Shaanxi Province, transferred to Shaanxi Provincial Healthcare Security Administration in 2020 because of institutional reform |
| Target population | 1) Key recipients: “Dibao” (households enrolled in the Minimum Living Standard Scheme, the criterion is adjusted yearly and in 2020 for rural areas is household income less than 5336 RMB per year) and “Tekun” (the extremely poor households identified by the Draft Decree on Social Assistance); 2) Low-income recipients: identified by local government, the criterion is usually a monthly family income of between 100% and 120–150% of the local Minimum Living Standard line; “Wubao” (rural residents enrolled in the Five Guarantee Program) and individuals identified by county or above government; 3) Recipients who became poor due to illness: major illness imposes a large economic burden on the recipient, as well as a dilemma of maintaining basic life. | 1) Key recipients: “Dibao” (households enrolled in the Minimum Living Standard Scheme, the criterion in 2018 for rural areas is household income less than 3470 RMB per year) and “Tekun” (the extremely poor households identified by the Draft Decree on Social Assistance); 2) Low-income recipients: identified by local government, the criterion is household income per capita is lower than 1.5 times the minimum living standard; severely disabled and elderly living around the Minimum Living Standard line;“Wubao” (rural residents enrolled in Five Guarantee Program) and needy residents identified by county or city government; 3) Recipients who became poor due to illness: major illness strike imposes a large economic burden on the recipient, as well as dilemma of maintaining basic life. 4) Specific recipients: “Youfu” (Regulations on Special Care and Treatment for Servicemen) and individuals who get injured in helping others. |
| Assistance method | 1) Subsidizing health insurance schemes: subsidizing those targets to be enrolled in SHI a, usually the New Cooperative Medical Scheme for rural residents and the Urban Resident Basic Medical Insurance for urban residents; 2) After medical treatment assistance: apply for cash assistance of MFA after using health care and paying medical expenses. | 1) Subsidizing health insurance schemes: subsidizing those targets to be enrolled in SHI, usually the New Cooperative Medical Scheme for rural residents and the Urban Resident Basic Medical Insurance for urban residents; 2) Immediate assistance: receive health care at MFA designated medical institutions, carry valid medical documents at the hospital window to obtain MFA certification, and get compensation at once with recipients only needing to pay the remaining out-of-pocket (OOP) expenses. 3) After medical treatment assistance: apply to the government of the township and district officer for cash assistance of MFA after using health care and paying medical expenses by themselves. |
| Assisted population | 87,204,000 person-times in 2016 | 437,508 person-times in 2016 |
| Risk-pooling | County level | County level |
| Benefit packages | ||
| Premiums | 1) For enrollees participating in the SHI a, there are no additional premiums for the MFA; 2) For residents without any health insurance, the premiums for the MFA are determined by local governments; or they can choose to participate in one SHI, usually the New Cooperative Medical Scheme for rural residents and the Urban Resident Basic Medical Insurance for urban residents, and premiums were partly or fully subsided by local government. | 1) For enrollees participating in the basic health SHI, there is no additional premium for the MFA; 2) For residents without any health insurance, the premiums for the MFA are being county-specific, for example, 150 RMB per year for “Dibao” recipients in some counties; or they can choose to participate in one health insurance scheme, usually the New Cooperative Medical Scheme for rural residents and the Urban Resident Basic Medical Insurance for urban residents, and premiums were partly or fully subsided by local governments. |
| Reimbursement for outpatient care | ||
| Ceiling of reimbursement | Not clearly unified on the national scale, leave it to the county or above government to determine | 1) For daily outpatient services: not exceed 1000 RMB; 2) For the outpatient services of serious diseases: not exceed 5000 RMB; |
| Deductibles | Not clearly unified on the national scale, leave it to the county or above government to determine | 1) Key recipients: no less than 50% for “Dibao” recipients, 100% for “Tekun” recipients; 2) Low-income recipients and specific recipients: determined by the county or above government. |
| Reimbursement for inpatient care | ||
| Ceiling of reimbursement | Not clearly unified on the national scale, leave it to the county or above government to determine; 30,000 RMB to 50,000 RMB in most provinces, more than 80,000 RMB in cities like Beijing, Shanghai and Chongqing. | 1) For basic inpatient services: reimburse all OOP expenses for “Tekun” recipients, not exceed 15,000 RMB for “Dibao” recipients, not exceed 12,000 RMB for low-income recipients; 2) For the inpatient services of serious diseases: reimburse all OOP expenses for “Tekun” recipients, not exceed 30,000 RMB for “Dibao” recipients, not exceed 20,000 RMB for low-income recipients, not exceed 15,000 RMB for recipients become poor due to illness. |
| Deductibles | Not less than 70% | 1) Key recipients: not less than 70%; 2) Low-income recipients and specific recipients: not less than 50%. |
| Source of financing | 1) Funded by Central government budget; lottery welfare fund; and donations from society and individuals. 2) Managed, appropriated and being accountable by county governments. | 1) Funded by Central government subsides; Provincial, city and county government budgets; Provincial, city and county level lottery welfare funds; social donations; and interest income of special and independent MFA account; 2) Managed, appropriated and being accountable by county governments. |
Note: Data were from National Healthcare Security Administration; National Health Statistical Yearbook; Ministry of Civil Affairs of China; Ministry of Civil Affairs of Shaanxi Province; Liu K et al [8]
a Social health insurance schemes (SHI) including the New Cooperative Medical Scheme, the Urban Resident Basic Medical Insurance and the Urban Employee Basic Medical Insurance
Definitions of variables
| Variables | |
|---|---|
| Length of the latest inpatient | The number of days for latest hospitalization in the past year |
| Number of admissions | The number of admissions during the previous year |
| Total inpatient expenditure | All the inpatient care cost in the past year (RMB) |
| Out-of-pocket (OOP) inpatient expenditure | All the self-paid inpatient care costs in the past year (RMB) |
| | |
| Gender | Dummy variable: Female = 0; Male = 1 |
| Age | Categorical variables: If age less than 15 = 1; Otherwise = 0; If age 15–44 = 1; Otherwise = 0; If age 45–59 = 1; Otherwise = 0; If age older than 59 = 1; Otherwise = 0 |
| Marital status | Dummy variable: Married = 0; Otherwise (Single, divorced or widowed) = 1 |
| Education level | Categorical variable: Primary school or below = 1; Junior school = 2; Above junior school = 3 |
| | |
| Chronic disease | Dummy variable: Whether diagnosed with chronic disease (e.g. hypertension); No chronic disease = 0; Chronic disease = 1 |
| Health status a | Categorical variable: the primary self-reported health status in the MFA data were: healthy, in good shape, generally, weak, disabled, seriously ill, and disabled with severe diseases. We recategorized the variable as: Very good or good = 1; Modest = 2; Disability or seriously ill = 3 |
| | |
| Economic status | Categorical variable: Annual household income, grouped into quintiles; Quintile 1 (The poorest) = 1 –Quintile 5 (The richest) = 5 |
| Time to the hospital | Categorical variable: Drive from residential districts to the nearest secondary/tertiary hospital (Minutes), were grouped into five groups; The shortest (time < 30) = 1; The shorter (30 < = time < 60) = 2; The medium (60 < = time < 90) = 3; The longer (90 < = time < 120) = 4; The longest (time > 120) = 5 |
| Hospital grade | Dummy variable: The grade of medical institution where recipient’s latest inpatient care services were taken during the prior year; Secondary hospital = 0; Tertiary hospital =1 |
| Population density | The number of individuals per unit geographic area where recipient lived (Person/km2) |
| Per capita GCP | GCP (Gross County Product) per capita of the county where recipient lived, calculated by dividing the GCP of a county by its population (Ten thousand yuan) |
| Number of beds per 10,000 people | Number of beds per 10,000 people of the county where recipient lived |
| Number of doctors per 10,000 people | Number of doctors per 10,000 people of the county where recipient lived |
| Number of nurses per 10,000 people | Number of nurses per 10,000 people of the county where recipient lived |
Notes: a Given the unique of MFA population, they were generally poorer in health and those with disability and seriously illnesses accounted for a noticeable proportion of this population, self-reported health status in our study was not formulated as “excellent, very good, good, fair, and poor” or “very good, good, moderate, bad, and very bad”, instead, the item of “disability or seriously ill” was listed together as an alternative of “bad or very bad”
Basic characteristics of variables for the total sample and comparisons between hospital grade
| Variables | Total sample | Hospital grade | ||
|---|---|---|---|---|
| Secondary hospital | Tertiary hospital | |||
| Dependent variables | ||||
| Length of the latest inpatient, Mean (SD) | 21.12 ± 36.38 | 18.32 ± 31.33 | 22.83 ± 39.03 | † |
| Number of admissions, Mean (SD) | 1.38 ± 1.00 | 1.47 ± 1.23 | 1.32 ± 0.83 | † |
| Total inpatient expenditure, Mean (SD) | 20,828.01 ± 32,884.50 | 10,446.77 ± 16,698.37 | 27,122.64 ± 38,251.28 | † |
| OOP inpatient expenditure, Mean (SD) | 4954.13 ± 11,954.08 | 1889.92 ± 5375.00 | 6812.11 ± 14,244.26 | † |
| Independent variables | ||||
| Gender, N (%) | ns | |||
| Female | 4394 (46.17) | 1622 (45.16) | 2772 (46.79) | |
| Male | 5122 (53.83) | 1970 (54.84) | 3152 (53.21) | |
| Age, N (%) | † | |||
| < 15 | 371 (3.90) | 90 (2.51) | 281 (4.74) | |
| 15–44 | 1937 (20.36) | 628 (17.48) | 1309 (22.10) | |
| 45–59 | 3375 (35.47) | 1198 (33.35) | 2177 (36.75) | |
| > 59 | 3833 (40.28) | 1676 (46.66) | 2157 (36.41) | |
| Marital status, N (%) | ns | |||
| Married | 7488 (78.69) | 2837 (78.98) | 4651 (78.51) | |
| Others | 2028 (21.31) | 755 (21.02) | 1273 (21.49) | |
| Degree of education, N (%) | ns | |||
| Primary school or below | 8179 (86.64) | 3068 (86.06) | 5111 (87.00) | |
| Junior school | 1089 (11.54) | 438 (12.29) | 651 (11.08) | |
| Above junior school | 172 (1.82) | 59 (1.65) | 113 (1.92) | |
| Chronic disease, N (%) | † | |||
| No chronic disease | 7478 (78.58) | 2680 (74.61) | 4798 (80.99) | |
| Chronic disease | 2038 (21.42) | 912 (25.39) | 1126 (19.01) | |
| Health status, N (%) | *** | |||
| Very good or good | 3222 (33.87) | 1169 (32.54) | 2053 (34.67) | |
| Modest | 3217 (33.82) | 1287 (35.83) | 1930 (32.60) | |
| Disability or seriously ill | 3074 (32.31) | 1136 (31.63) | 1938 (32.73) | |
| Economic status, N (%) a | ns | |||
| Quintile 1 (The poorest) | 1954 (20.55) | 741 (20.63) | 1213 (20.50) | |
| Quintile 2 (The poorer) | 1893 (19.91) | 682 (18.99) | 1211 (20.47) | |
| Quintile 3 (The middle) | 1879 (19.76) | 752 (20.94) | 1127 (19.05) | |
| Quintile 4 (The richer) | 1907 (20.06) | 711 (19.80) | 1196 (20.21) | |
| Quintile 5 (The richest) | 1875 (19.72) | 705 (19.63) | 1170 (19.77) | |
| Time to the hospital, N (%) b | † | |||
| The shortest (time < 30) | 2085 (21.91) | 1817 (50.58) | 268 (4.52) | |
| The shorter (30 < = time < 60) | 1678 (17.63) | 1119 (31.15) | 559 (9.44) | |
| The medium (60 < = time < 90) | 1859 (19.54) | 381 (10.61) | 1478 (24.95) | |
| The longer (90 < = time < 120) | 1546 (16.25) | 191 (5.32) | 1355 (22.87) | |
| The longest (time > 120) | 2348 (24.67) | 84 (2.34) | 2264 (38.22) | |
| Population density, Mean (SD) | 296.53 ± 216.37 | 362.23 ± 228.81 | 256.69 ± 198.14 | † |
| Per capita GCP, Mean (SD) | 3.38 ± 2.22 | 3.68 ± 2.62 | 3.20 ± 1.92 | † |
| Number of beds per 10,000 people, Mean (SD) | 2.31 ± 0.68 | 2.33 ± 0.64 | 2.30 ± 0.71 | * |
| Number of doctors per 10,000 people, Mean (SD) | 0.61 ± 0.18 | 0.62 ± 0.18 | 0.59 ± 0.18 | † |
| Number of nurses per 10,000 people, Mean (SD) | 1.03 ± 0.33 | 1.06 ± 0.37 | 1.00 ± 0.30 | † |
| Total Counties, N | 73 | |||
Notes: p values were calculated by hospital grades for recipients’ latest inpatient care. Mean (SD) and T-test were conducted for continuous variables; N (%) and Chi-square test were conducted for categorical variables. * p < 0.1, ** p < 0.05, *** p < 0.01, † p < 0.001. ns = not significant
a The mean (SD) of annual household income is 8626.59 ± 5357.45 RMB
b The mean (SD) of driving time is 88.95 ± 71.08 min to the nearest county/city level hospital, 38.48 ± 28.26 min to the secondary hospital and 119.56 ± 71.78 min to the tertiary hospital
OOP out-of-pocket
Multilevel model analysis on influencing factors for inpatient health services utilization among the MFA recipients
| Parameter | Length of the latest inpatient stay | Number of admissions last year | Total inpatient expenditure | OOP inpatient expenditure | ||||
|---|---|---|---|---|---|---|---|---|
| Coef. | S.E. | Coef. | S.E. | Coef. | S.E. | Coef. | S.E. | |
| Gender (Baseline: Female) | ||||||||
| Male | −0.059 | 0.715 | 0.022 | 0.020 | 1039.657* | 602.581 | 298.069 | 232.507 |
| Age (Baseline: Less than 15) | ||||||||
| 15–44 | −3.912* | 2.103 | 0.200*** | 0.059 | 6930.009† | 1771.072 | 1669.382** | 683.310 |
| 45–59 | −6.648** | 2.153 | 0.122* | 0.060 | 4631.393** | 1813.155 | 649.546 | 699.516 |
| > 59 | −10.578† | 2.152 | −0.007 | 0.060 | 425.114 | 1812.229 | − 475.304 | 699.118 |
| Marital status (Baseline: Married) | ||||||||
| Others (Single, divorced or widowed) | −0.120 | 0.983 | −0.010 | 0.027 | − 2123.486** | 828.287 | − 730.073** | 319.410 |
| Degree of education (Baseline: Primary or below) | ||||||||
| Junior school | −0.101 | 1.154 | 0.059** | 0.032 | 610.865 | 972.258 | 289.852 | 375.042 |
| Above junior school | −3.830 | 2.709 | 0.600† | 0.076 | 2377.716 | 2282.027 | 477.120 | 880.554 |
| Chronic disease (Baseline: Chronic disease) | ||||||||
| No chronic disease | −2.201* | 0.879 | −0.084*** | 0.024 | − 3134.205† | 740.675 | − 982.338† | 285.784 |
| Health status (Baseline: Very good or good) | ||||||||
| Modest | −0.487 | 0.901 | −0.001 | 0.025 | − 1278.351* | 758.261 | − 312.711 | 292.520 |
| Disability or seriously ill | 2.640*** | 0.901 | 0.122† | 0.025 | 1505.424* | 759.311 | 333.837 | 292.707 |
| Economic status (Baseline: The poorest) | ||||||||
| The poorer | −0.226 | 1.203 | 0.011 | 0.032 | − 1465.221 | 1013.662 | − 534.044 | 390.298 |
| The middle | 0.542 | 1.258 | 0.010 | 0.032 | − 1480.870 | 1060.670 | − 449.249 | 407.840 |
| The richer | −0.043 | 1.307 | 0.182† | 0.033 | − 1725.214 | 1101.501 | − 529.951 | 423.252 |
| The richest | −0.834 | 1.357 | 0.243† | 0.034 | − 142.134 | 1143.861 | −140.945 | 439.182 |
| Time to the hospital (Baseline: Shortest) | ||||||||
| The shorter | 2.953** | 1.192 | −0.129† | 0.032 | − 2638.399*** | 1003.905 | −893.349** | 386.903 |
| The medium | 5.240† | 1.442 | −0.005 | 0.038 | − 3432.667*** | 1215.533 | −983.197** | 467.568 |
| The longer | 5.229*** | 1.574 | −0.062 | 0.039 | − 4294.960** | 1327.719 | − 1383.912*** | 509.651 |
| The longest | 7.404† | 1.928 | −0.126** | 0.044 | − 2873.070* | 1629.085 | − 843.539 | 620.811 |
| Hospital grade (Baseline: Secondary hospital) | ||||||||
| Tertiary hospital | −3.971*** | 1.176 | −0.029 | 0.028 | 12,705.810† | 992.024 | 4174.214† | 380.325 |
| Population density | −0.018** | 0.009 | 0.001† | 0.000 | −21.954*** | 8.425 | −5.300** | 2.496 |
| Per capita GCP | −1.289* | 0.698 | 0.011 | 0.007 | − 1666.647** | 639.061 | −359.208* | 186.240 |
| Number of beds per 10,000 people | −1.202 | 2.932 | 0.124† | 0.024 | − 7414.986*** | 2680.948 | − 2571.946*** | 783.829 |
| Number of doctors per 10,000 people | −3.396 | 8.552 | −0.042 | 0.087 | 5245.711 | 7788.874 | 3967.324* | 2321.577 |
| Number of nurses per 10,000 people | 0.376 | 7.212 | −0.114* | 0.060 | 6836.155 | 6584.274 | 2022.544 | 1936.436 |
| Intercept | 45.283† | 7.080 | 0.796† | 0.082 | 35,818.760† | 6436.780 | 7679.606† | 1930.638 |
Notes: Coef. means coefficient. * p < 0.1, ** p < 0.05, *** p < 0.01, † p < 0.001
OOP out-of-pocket
Fig. 1Adjusted predictions of the interaction terms on inpatient care use. a length of the latest inpatient stay, b total inpatient expenditure, and c OOP inpatient expenditure. Secondary means secondary hospital; Tertiary means tertiary hospital
Adjusted predictions of time to the hospital and hospital grade on inpatient services utilization
| Length of the latest inpatient stay | Total inpatient expenditure | OOP inpatient expenditure | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Secondary hospital | Change b | Tertiary hospital | Change c | Secondary hospital | Change b | Tertiary hospital | Change c | Secondary hospital | Change b | Tertiary hospital | Change c | |
| The shorter VS The shortest a | 9.035*** | 6.082 | 2.190* | −0.763 | − 2167.083* | 471.316 | − 4735.390* | − 2096.991 | −669.237 | 224.112 | − 1790.303* | − 896.954 |
| (2.851) | (1.323) | (1126.240) | (2429.113) | (430.866) | (928.279) | |||||||
| The medium VS The shortest a | 11.769† | 6.529 | 3.336 | −1.904 | − 2717.816 | 714.851 | − 5021.475** | − 1588.808 | − 1121.277 | −138.080 | − 1416.147 | −432.950 |
| (2.753) | (2.145) | (1829.125) | (2347.076) | (697.477) | (895.836) | |||||||
| The longer VS The shortest a | 11.581† | 6.352 | 1.200 | −4.029 | − 3991.857* | 303.103 | − 6073.508** | − 1778.548 | − 1029.193 | 354.719 | − 1992.204** | − 608.292 |
| (2.795) | (2.685) | (2288.859) | (2383.709) | (873.423) | (909.174) | |||||||
| The longest VS The shortest a | 13.510† | 6.106 | 10.269* | 2.865 | − 3320.336 | − 447.266 | − 3890.883 | − 1017.813 | − 1906.771 | − 1063.232 | − 1148.885 | − 305.346 |
| (2.859) | (5.947) | (5071.255) | (2442.227) | (1934.536) | (928.394) | |||||||
Notes: a The Baseline. * p < 0.1, ** p < 0.05, *** p < 0.01, † p < 0.001
b The change in coefficients when admitted to secondary hospital after moderation of hospital grade introduced; c The change in coefficients when admitted to tertiary hospital after moderation of hospital grade introduced
OOP out-of-pocket