Analisis Biaya Jaminan Kesehatan Masyarakat Dan Asuransi Kesehatan Pada Pasien Stroke Non-hemoragik Di Rumah Sakit Umum Daerah Kabupaten Sleman

Background: Non-hemorrhagic stroke causes many deaths.Its treatment requires long-term care, resulting in very highcost. Controlinging costs and quality are very important in maintainingsustainability, however, in reality there are cost sharingby patients and hospitals outside the insurance coverage.Aim: This study aims to identify the difference in cost thatmust be shared to the patient and the hospital for inpatientnon-hemorrhagic stroke of the Jamkesmas and Askes patientsin Sleman Hospital.Method: This study used a cross ssectional design. Datawere retrieved retrospectively with a primary diagnosis ofnon-hemorrhagic stroke hospitalizations for patients admittedto the hospital during the period of January 2011 to May 2012.Data were analyzed using univariate, bivariate correlation,and multivariate.Result: The average cost of inpatient care non-hemorrhagicstroke Jamkesmas patients was Rp3.541.021,00 +Rp2.609.488,00 and for Askes patients Rp4.678.509,00 +3.257.816,00. The average cost sharing in Askes patients isRp.1.851.536,00 + 1.968.757,00 and Jamkesmas isRp405.976,00 +Rp2.303.903,00. Percentage the greatest costcomponent in Askes patients is drugs (47%) and accomodation(44%), while in Jamkesmas is drug (52%) and accommodation(36%). Components of the cost sharing in Askes patients wasdrug (87%). The difference in the cost of hospital rates wasgreater than INA-CBGs respectively Rp3.541.021,00 +Rp2.609.488,00 and Rp3.135.045,00 + Rp727.710,00.Conclusion: The proportion of costs covered by the insuranceand shared by patient/hospital is 87:13 for Jamkesmaspatient, 55:45 for Askes patients (January 2011-May 2011),and 59:41 for the Askes patients (June 2011-May 2012). Theproportion of cost sharing of inpatient care non-hemorrhagicstroke by Askes patients outside the program is greater thanthe proportion of costs sharing by the hospital on Jamkesmasprogram