规定的最低福利投诉:五年后回顾性审查
Lindelwa Mitchele Ngobeni1, Lucky Moropeng2, Evelyn Thsehla3
1Schools of Health Systems and Public Health, Faculty of Health Sciences, University of Pretoria. lindelwamn@gmail.com.
概括
医疗计划会员经常抱怨规定最低福利 (PMB),特别是在慢性疾病中. 计划应该改善会员教育和PMB定义,以减少拒绝.
科学领域:
- 医疗保健服务研究 医疗服务研究
- 公共卫生 公共卫生
- 卫生政策分析 卫生政策分析
背景情况:
- 南非的医疗计划是根据"医疗计划法" (1998年第131号) 授权的,以支付规定最低福利 (PMB).
- 如果他们的PMB索赔被拒绝,受益人可以向医疗计划委员会 (CMS) 提出投诉.
研究的目的:
- 分析2014年至2018年期间医学计划委员会 (CMS) 收到的规定最低福利 (PMB) 投诉的模式.
- 确定PMB纠纷中最常涉及的条件,服务和计划类型.
主要方法:
- 一项采用CMS的临床投诉数据进行的横截面研究.
- 对PMB的数据提取和编码,投诉人的详细信息,计划类型和拒绝原因.
- 使用SAS v.9.4软件进行的分析.
主要成果:
- 在总共有2141起投诉中,有1124起与PMB有关,平均每年有225起PMB投诉.
- 非传染性疾病 (NCD) 是投诉中引用的最常见的PMB疾病.
- 医学和外科服务面临的最频繁的支付拒绝;开放的医疗计划产生了更多的投诉比受限制的人.
结论:
- 慢性疾病是医疗计划对PMB的投诉的主要驱动因素.
- 加强会员教育和更明确的PMB定义对于医疗计划和CMS都至关重要.
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