• 한국의료질향상학회지
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• 제25권2호
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• pp.44-55
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• 2019

Purpose: To investigate whether changes in Medical Aid (MA) status are associated with unmet need and catastrophic health expenditure (CHE). Methods: Data from the 2010 to 2014 Korea Health Panel (KHP) were used. The impact of changes in annual MA status ('MA to MA,' 'MA to MA Exit,' 'MA Exit to MA,' and 'MA Exit to MA Exit') on unmet need (all-cause and financial) and CHE (10% and 40% of household capacity to pay) were examined using the generalized estimating equation (GEE) model. Analysis was conducted separately for MA type I and II individuals. Results: In 1,164 Medical Aid type I individuals, compared to the 'MA to MA' group, the 'MA to MA Exit' group had increased likelihoods of all-cause and financial unmet need. This group also showed higher likelihoods of CHE at the 10% standard. The 'MA Exit to MA Exit' group showed increased likelihoods at the 10% and 40% CHE standards. In 852 type II recipients, the 'MA to MA Exit' group had higher likelihoods of CHE at the 10% standard. Conclusions: Type 1 MA exit beneficiaries had higher likelihoods of all-cause and financial unmet need, along CHE at the 10% standard. Type I 'MA Exit to MA Exit' beneficiaries also showed higher likelihoods of CHE at the 10% and 40% standards. In type II recipients, MA exit beneficiaries had higher likelihoods of CHE at the 10% standard. The results infer the importance of monitoring MA exit beneficiaries as they may be vulnerable to unmet need and CHE.

• 융합정보논문지
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• 제12권2호
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• pp.184-191
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• 2022

본 연구는 자동차보험 이용환자들의 효율적 관리방안을 모색하는데 필요한 기초정보를 제공하고자 보건의료빅데이터개방시스템에 등록된 2016년부터 2020년까지 5개년 자동차보험 진료비 심사자료를 대상으로 분석하였다. 분석결과, 자동차보험 입원진료비 내역 구성비율 1순위는 상급종합병원은 처치 및 수술료, 종합병원·병원·의원은 입원료, 한방의료기관(한방병원, 한의원)은 처치 및 수술료, 치과병원은 처치 및 수술료 이었다. 외래진료비 내역 구성비율 1순위는 양방의료기관(상급종합병원, 종합병원, 병원, 의원)은 진찰료, 한방의료기관(한방병원, 한의원)과 치과의료기관(치과병원, 치과의원)은 처치 및 수술료 이었다. 자동차보험 입원 건당 진료비에는 투약료, 마취료, 특수장비 비율이 영향요인이었으며, 외래 건당 진료비에는 이학요법료 비율이 영향요인으로 확인되었다.

• 보험의학회지
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• 제24권
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• pp.97-117
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• 2005

Internally Korean insurance market is that whole life products' growth are becoming slowdown that's why new insurance products have appeared on the market in consideration of consumer's needs recently. Externally domestic insurance market competitions has drifted from insurance industry to whole financial industry since bankasurance started. Life insurance companies should open up a new market to survive from severe competitions. Worksite marketing can be an alternative. An insurer make arrangements with an employer about an insurance terms which an insurer offers in Worksite marketing. Then eligible individuals enroll in the plans at their own discretion and pay 100 percent of the premium for coverage through payroll deductions. An employer doesn't need to pay extra money for additional benefit but can raise employee's loyalty and satisfaction of company through worksite marketing. An employee can be covered at discounted premium rate and less strict underwriting guidelines to an insurer compared to individual insurance. In developed countries specially U.S insurance market, Worksite marketing is getting very popular and growing rapidly due to the advantages. Worksite marketing has both individual insurance characters and group insurance characters. Individual insurance characters are that employees enroll in the plans at their own discretion and pay 100 percent of the premium for coverage. Group insurance characters are that actively at work and participation etc. An insurer have to reflect these two characters on Worksite marketing when an insurance company work out a plan for developing products and underwriting guidelines. When an insurer devise worksite products, one should consider participation level which means percentage of eligible employees participating. Participation is related to anti-selection. As we know underwriting is essential for every kind of insurance, especially underwriting plays major role in worksite marketing. We can see that in the below. Firstly, it has a function in calculation of premium rate. When calculate premium rate for worksite products underwriters have to estimate expected participation level and risk factors. So underwriters and acturies keep in close contact with each other. Secondly, underwriting methods are important. When an insurer underwrite worksite products, there are three kinds of underwriting methods. These are Simplified issue underwriting, Full underwriting and Guaranteed issue underwriting. Simplified issue underwriting typically requires no medical examination, but usually requires supplying satisfactory answers to one or several health and/or lifestyle questions. Full underwriting requires a complete medical history questionnaire that may further require an exam. Guaranteed issue underwriting means that coverage is issued without the employee having to provide evidence of insurability. When insurer set the GI limit are usually based on the type of industry, number of eligible employees, the average amount of coverage and participation level. In addition to insurer should have a clear definition of eligible employee on the insurance provision and application form. It will minimize possibility of trouble claims and anti-selection. An insurer also establish preexisting condition exclusion and special guidelines for late entrants. When an insurer introduce Worksite marketing to Korean insurance market, an insurer has to examine market research to analyze potential market and strategy of sales most of all. Also an insurer should review real situation of the U.S, England and Japanese market etc. There are a lot of new technologies about worksite marketing process that an insurer should learn. When an insurer consider many things which we explained it can be a real alternative.

• 한국병원경영학회지
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• 제25권3호
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• pp.29-37
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• 2020

Purposes: The purpose of this study was to identify the factors related to the long-stay hospitalization of dementia patients aged 65 years or older who had received inpatient care at geriatric hospitals according to the minute facility characteristics and patient features. Methodology: This study was conducted on 317,353 cases of 1,512 geriatric hospitals using the Health Insurance Review and Assessment Service dataset. The data collected were processed using the SAS Enterprise Guide 4.3 for descriptive statistics, the chi-square test, and the binary logistic regression analysis. Findings: As a result of the study, in the facility characteristics of geriatric hospitals, the long-stay hospitalization of the aged with dementia were found to be related to the type of facility establishment, the number of hospital beds, the number of medical specialists, the number of nursing personnel, and the number of geriatric hospitals by region and province. In the personal features of patients, the long-stay hospitalization was found to be associated with the gender, age, insurance, and the patient classification groups. Practical Implication: Considering the results of this study, it seems that securing the sufficient medical personnel in a geriatric facility, providing the good quality medical services, and preparing the appropriate discharge plan can reduce the unnecessary long-stay hospitalization and spend the medical expenses for the older patients.

• 보건행정학회지
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• 제34권2호
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• pp.185-195
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• 2024

연구배경: 장애인의 일상적 건강관리 미흡과 낮은 의료접근성으로 인해 다양한 건강문제 발생 및 과다한 의료비 지출 부담이 발생하고 있다. 이에 "장애인건강권법"에 근거하여 2018년 장애인 건강주치의제도 시범사업을 시행하였으나 2021년 기준 전체 중증장애인 중 시범사업 참여자는 0.2%에 불과하다. 이에 본 연구는 수요자의 장애인 건강주치의 참여 활성화를 위한 시사점을 얻고자, 시범사업 등록 여부와 시범사업 이용수준의 영향요인을 규명하고자 하였다. 방법: 2018년 5월 30일부터 2021년 12월 31일까지 시범사업 정보와 국민건강보험 데이터를 연계하여 이분형 로지스틱 회귀분석과 위계적 다중회귀분석을 통해, 장애인건강주치의 참여 장애인의 시범사업 등록 및 서비스 이용횟수에 영향을 미치는 요인을 분석하였다. 독립변수는 장애유형, 인구사회경제학적 특성과 건강상태(만성질환의 개수, 찰슨동반상병지수(Charlson comorbidity index [CCI]), 외래민감질환 및 복약불순응과 다제약제관리 필요의 해당 여부), 시범사업 서비스 이용 관련 변수를 포함하였다. 결과: 시범사업의 등록 여부에 영향을 주는 요인 분석결과, 주장애관리 가입 대상에 해당하는 장애유형(지체, 뇌병변, 시각, 지적, 정신, 자폐성 장애인)이 그 외 장애유형(odds ratio [OR], 4.157)보다, 군 지역 거주자보다 특별광역시 거주자(OR, 4.330)와 시 지역 거주자(OR, 3.332)가 시범사업에 등록할 확률이 높았으며, CCI와 만성질환 개수와 같은 건강수준의 영향도 있었다. 그러나 주치의 서비스 이용수준의 결정요인으로 참여자의 인구사회학적 특성(장애유형, 연령, 의료보장 형태, 거주지역)과 건강수준(만성질환 개수, CCI) 등 개인적 요인보다 시범사업 서비스 가입 형태에 해당하는 변수군(수요자가 등록한 주치의의 소속 및 서비스 유형)이 더 높은 설명력(20.4%)을 보였다. 결론: 수요자의 장애유형과 지역과 건강수준에 따른 시범사업의 참여 편차를 고려하여 향후 서비스 개발이 필요하며, 수요자의 서비스 이용수준에 공급자의 요양기관 형태나 서비스 유형의 영향력이 큰 바 향후 공급자의 참여 양상과 수요자의 참여수준과의 관계를 분석하는 연구가 필요할 것이다.

• 한국직업건강간호학회지
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• 제9권2호
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• pp.121-131
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• 2000

This study was conducted to acquire data in order to institute an effective industrial accident compensation insurance(IACI) system. The subjects were employers and employees in small scale industries which have less than 5 employees. The questionnaires consisted of questions on perception and need for IACI. A total of cases were 181 employers and 105 employees participated in the study. Perception and need of employers and employees were assessed using the ANOVA, t-test. The results were as follows ; 1. Workplaces examined mostly in manufacturing(78.9%), industries with one employee(44.1%). Beneficiary rate of IACI 4.4%. 2. 60.0% of employees had experienced an industrial accident and in most cases employers paid the cost of medical treatment. 45.0% of employers nd 50.0% of employees were not aware that IACI had been put into effect starting July, 1, 2000. 52.0% of employers had no type of industrial accident compensation. 3. The need of outcome measures, especially of employers and employees who had an IACE, were higher than those without an IACI. Employers and employees who had experienced an industrial accident outnumbered those who hadn't. The results of this study reveal that there is a great need for the institution of an IACI and health promotion policy in small scale industries.

• Korean Journal of Acupuncture
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• 제30권1호
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• pp.21-26
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• 2013

Objectives : The purpose is to introduce the recent large-scale clinical researches for safety, efficacy and effectiveness of acupuncture in Germany. Results : In 2000, the German Federal Committee of Physicians and Health insurer proposed that large research initiatives on acupuncture, Acupuncture Model Projects(Modellvorhaben Akupunktur), could be conducted by health insurance companies for several pain that acupuncture is syndromes to justify the insurance-based reimbursement. Accordingly, 4 clinical researches were carried out; the Acupuncture Safety and Health economics studies(ASH), the Acupuncture Randomised Trial(ART), the Acupuncture in Routine Care studies(ARC), and the German Acupuncture trial(GERAC). Meanwhile, ASH is a prospective observational study for safety and costs. ART and GERAC are composed of RCTs for efficacy. ARC includes 6 pragmatic RCTs with additional non-randomized cohort study for effectiveness. We investigated the papers related to them and discussed about the outcomes. The researches showed that acupuncture is effective in practice for several chronic conditions such as migraine, tension-type headache, chronic low back pain, osteoarthritis of knee, dysmenorrhea, and allergic rhinitis. Based in part on them, the German health authorities decided that acupuncture would be included into routine reimbursement by social health insurance funds for chronic low back pain and chronic osteoarthritis of the knee in 2006. Conclusions : The German clinical researches may suggest the clues for establishing the evidence of acupuncture treatment.

• 지역사회간호학회지
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• 제28권2호
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• pp.216-225
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• 2017

Purpose: The purpose of the study was to analyze the effects of self-care behavior, empowerment, and social support on glycosylated hemoglobin in patients with type 2 diabetes. Methods: The data were collected during the period of July 1 to July 31, 2016. In total, 172 participants were recruited from outpatients who had been diagnosed with type 2 diabetes at a health care center, a health promotion center at National Health Insurance Corporation, and a tertiary hospital. Statistical data were analyzed with SPSS 20.0 using frequency analysis, t-test, ANOVA, $Scheff{\acute{e}}$ test, Pearson's correlation coefficients, and hierarchical regression analysis. Results: The study results showed that self-care behavior (${\beta}=-.34$, p<.001), empowerment (${\beta}=-.34$, p<.001), and social support (${\beta}=-.20$, p=.018) were found to be influential factors affecting glycosylated hemoglobin, with an overall descriptive power of 69%. Conclusion: Self-care behavior, empowerment, and social support are considered to be important factors in blood glucose management for the patients with type 2 diabetes. Therefore, self-caring blood glucose programs and internal synchronizing education through social support and empowerment need to be improved.

• 의료법학
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• 제15권2호
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• pp.345-366
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• 2014

Because the health care or medical sector has such characteristics as publicity, professionality, and exclusivity, it cannot be left to the free market system. As a consequence, the state has restricted the establishment of medical institutions in order to protect the life and health of people. Also, the medical law has regulated to permit the establishment of medical institutions by only medical personnel and a few corporate bodies and to ban the establishment of medical institutions under disguised ownership as well as double opening of medical institutions by medical personnel. Nevertheless, there are still many cases that non-medical personnel have dominantly established medical institutions under disguised ownership of other medical personnel or nonprofit corporation. Because they are willing to recover their investment costs as soon as possible, these illegally established medical institutions are likely to make patients undergo unnecessary tests or to perform the excessive treatments and, as a result, are likely to cause infringement on the health and lives of the people. In addition, even if the misconduct is uncovered, the rate at which the costs already paid is very low and, as a result, the damages are straightly connected to the people's loss. On the other hand, there are also increasing number of cases that medical personnel or nonprofit corporations are establishing medical institutions against the medical law regulations. The examples of this illegality are also the double opening of medical institutions and the establishment of medical institutions under disguised ownership by medical personnel or nonprofit corporations. And the damages in these cases may not differ from those in the above cases. In this study, regarding medical law regulations restricting opening a medical institution, I will review the intent of those regulations, the type of violations and criminal punishments, and the possibility of recovery from unlawful profit by the National Health Insurance Act. And then, I would like to find a way for rational improvement of each.

• 한국사회복지학
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• 제56권3호
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• pp.113-133
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• 2004

본인부담과 관련한 이전의 연구들을 살펴보았을 때 외래와 입원 또는 상병별로 환자개인의 본인부담이 진료비에서 차지하는 비율을 파악하여 우리나라 건강보험이 안고 있는 보장기능의 취약성을 거론하거나 이와는 반대로 의료수요의 가격탄력성을 측정, 소비자의 도덕적 해이의 가능성을 지적하는데 초점을 맞추고 있음을 알 수 있다. 그러나 현재 환자본인이 부담하여야 하는 진료비규모를 파악하여 평균 본인부담액의 실제규모와 본인부담률을 밝히는 동시에 만성질환 보유여부, 의료보장의 종류, 또는 의료서비스 기관에 따른 본인부담의 비형평성 문제에 대하여 직접적으로 논의하는 작업은 극히 미미한 실정이다. 높은 본인부담의 결과로 경제적으로 취약하거나 만성질환에 시달리는 계층이 가장 큰 피해를 입게 된다는 점에서 이에 대한 심도 있는 임상적 및 정책적 논의는 절실하다. 이러한 맥락에서 본 연구는 의료서비스에 대한 계층간 본인부담의 차이가 형평성에 미치는 영향을 분석하고 이에 관련된 정책적 함의를 도출하는데 그 목적이 있다. 본 연구의 결과에서 소득 5분위 대비 최하위 계층의 경우 월등히 높은 만성질환 유병률을 보이고 있음에도 불구하고 최상위층의 6배가 넘는 과중한 본인부담을 안고 있음이 밝혀졌다. 또한 최종적인 회귀분석모형 분석결과는 의료이용 빈도 이외에 환자본인의 인구학적 특성, 가구소득, 만성질환 수, 보험의 종류, 상용치료기관의 종류가 본인부담의 규모를 결정짓는데 있어 영향을 미치는 결정적 요인들로 드러났다.