医疗保险是社会保障体系的重要组成部分。近年来,海安县大力发展医疗保险事业,城乡医疗保险体系逐步完善,医保待遇水平稳步提升,医保基金监管严格规范,让人民群众得到了实惠。但由于受现行医疗体制、政府财政状况以及其它各方面因素的影响,医保水平与百姓的期盼还有一定差距,一些问题和困难需要及时解决。主要表现为:报销比例不高,患者负担较重;过度医疗现象普遍,资金压力过大;政策制度不够完善,保障存在死角;资金监管不严,骗保 Medicare is an important part of the social security system. In recent years, Haian County vigorously develop the cause of medical insurance, urban and rural health insurance system gradually improved, the level of health care insurance steadily improved, strict supervision of medical insurance fund norms, so that people have received substantial benefits. However, due to the current medical system, the financial status of the government and other factors, there is still a certain gap between the level of medical insurance and people's expectation. Some problems and difficulties need to be resolved in time. Mainly as follows: reimbursement ratio is not high, the patient burden heavier; over-medical phenomenon is widespread, financial pressure is too large; policy system is not perfect enough to ensure the existence of dead ends;