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Analisis Beban Biaya Sendiri Pasien Rawat Inap Peserta Askes di RSUD dr. Achmad Diponegoro, Putussibau, Kalimantan Barat
PT Askes is the health insurance provider with mandatory membership for public officers in Indonesia. In reality, patient still have to cover some expenses from his or her pocket, due to the differences between hospital fare and the expenses that is covered by Askes. The objective of this research is to find out the determinant factors and the prediction modal of out of pocket expenses among hospitalized patients with Askes membership at dr. Achmad Diponegoro Hospital Putussibau, Kapuas Hulu District West Kalimantan Province 2005. This design used in this study is cross-sectional, using 257 samples of hospitalized patients in dr. Achmad Diponegoro Hospital in Putusibau, Kapuas Hulu District, West Kalimantan Province during the year of 2005. The average amount of out of pocket expenses of each patien is Rp 215,3472,76 or 20.84% out of the total expenses in the district hospital. the minimum fare is Rp 25,000,- and the minimum one is Rp 2,784,000,- depend on the number of days in hospital, type of illness, medication, type of membership (member 1=the person with the membership, member 3=the spouse), level 1 employee, the interaction between length of stay with type of illness, and the interaction between complicated illness and drugs are the most influence factor ( the ? value are the highest, that is 0,624) . The assumption and interaction test, resulted in the model : self expenses = 5,743 + 0,313 length of stay – 0,785 no complicated illness + 0,819 drugs (Non DPHO) + 0,179 member 3 + 1,489 employee 1 + 0,260 interaction between complicated illness and drugs + 0,260 Interaction between length of stay and complicated illness.
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