In order to solve the problem of residents' difficulties in affording expensive medical treatment, we build a community-hospital concept model of a secondary medical service system, and establish a function model and a referral mechanism for patients' preferences. Taking Jiading District in Shanghai as an example, we make use of the AnyLogic system modeling software and demonstrate how this model can be used to study the effect of different medical cooperation modes and medical reform policies through the introduction of actual case data. Our results show that promoting the quality of primary medical care services and increasing the reimbursement ratio of medical insurance can effectively improve the efficiency of the whole medical service system.