用机器学习提升医保骗保检测,解决数据不平衡等难题。
ML-Driven Approaches to Combat Medicare Fraud: Advances in Class Imbalance Solutions, Feature Engineering, Adaptive Learning, and Business Impact
- 采用SMOTE重采样与特征工程缓解数据不平衡问题
- 随机森林模型准确率达98.8%,F1-score达98.4%
- 适合关注医疗风控与可解释性AI的从业者
医保骗保给医疗系统带来巨大损失,损害合法受益人权益。本研究利用机器学习提升医保骗保检测能力,应对类别不平衡、高维数据及欺诈模式演变等挑战。基于住院、门诊费用单据及参保人信息构建数据集,训练并评估了五种模型:随机森林、KNN、LDA、决策树和AdaBoost。通过SMOTE重采样处理类别不平衡,结合诊断与操作编码聚合进行特征工程。随机森林表现最佳,训练准确率99.2%,验证准确率98.8%,F1-score达98.4%;决策树验证准确率为96.3%;KNN与AdaBoost验证准确率分别为79.2%与81.1%;LDA表现较差,验证准确率仅63.3%,召回率低至16.6%。结果表明,先进重采样、特征工程与自适应学习对有效识别骗保至关重要。未来应探索可解释性AI与混合模型,以提升系统可解释性与性能,保障医疗资源安全。
原文摘要 · Abstract (English)
Medicare fraud poses a substantial challenge to healthcare systems, resulting in significant financial losses and undermining the quality of care provided to legitimate beneficiaries. This study investigates the use of machine learning (ML) to enhance Medicare fraud detection, addressing key challenges such as class imbalance, high-dimensional data, and evolving fraud patterns. A dataset comprising inpatient claims, outpatient claims, and beneficiary details was used to train and evaluate five ML models: Random Forest, KNN, LDA, Decision Tree, and AdaBoost. Data preprocessing techniques included resampling SMOTE method to address the class imbalance, feature selection for dimensionality reduction, and aggregation of diagnostic and procedural codes. Random Forest emerged as the best-performing model, achieving a training accuracy of 99.2% and validation accuracy of 98.8%, and F1-score (98.4%). The Decision Tree also performed well, achieving a validation accuracy of 96.3%. KNN and AdaBoost demonstrated moderate performance, with validation accuracies of 79.2% and 81.1%, respectively, while LDA struggled with a validation accuracy of 63.3% and a low recall of 16.6%. The results highlight the importance of advanced resampling techniques, feature engineering, and adaptive learning in detecting Medicare fraud effectively. This study underscores the potential of machine learning in addressing the complexities of fraud detection. Future work should explore explainable AI and hybrid models to improve interpretability and performance, ensuring scalable and reliable fraud detection systems that protect healthcare resources and beneficiaries.
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