2014.04.22【英译汉】What American Healthcare Can Learn From Germany 1

ydyinglluk (Erin) 译坛新秀
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发表于:2014-04-22 12:35 [只看楼主] [划词开启]

What American Healthcare Can Learn FromGermany

美国医保能向德国学点什么?

Under Obamacare, theU.S.healthcare system is starting to look more likeGermany's. Here's what Germans do right—and how Americans could do even better.

奥巴马医改使得美国的医疗保险体系更像德国模式,在这一点上德国人做的对,那么美国人究竟怎样才能做的更好?

OLGA KHAZANAPR 8 2014, 1:00 PM ET


Michaela Rehle/Reuters

Last fall, Sam, an American woman who lives inBerlin, began to experience stomach pain while eating and drinking. She visited her general practitioner, who wrote her a prescription.

去年秋天,萨姆,一名住在柏林的美国妇女,在吃喝东西的时候开始觉得胃疼,她去看了她的普通科医生,医生为她开了药方。

The problem hadn't gone away several days later, so the doctor referred her to a specialist for a gastroscopy. Her issue wasn’t deemed an emergency, though, so she had to wait about two weeks for an appointment.

然是几天之后她的情况并没有好转,所以医生建议她到一名为科专家那里做胃镜。她的问题看起来并不紧急,所以她不得不等两个星期才能接受检查。

“But man, was I impressed with the exam itself!” she later told me in an email. “Went to the hospital, filled out a few papers, was knocked out for a bit while they looked in my stomach, and was home again a few hours later. Everything was very efficient.”

“但是,让我印象深刻的是检查过程!”她在后来发给我的邮件中这样说道。“去医院以后,我添了一些文件,他们给我做胃镜的时候做了一点麻醉,大概几个小时之后我回到家里,神奇的是见效真是太快了。”

The best part: Sam paid exactly nothing for the experience.

这个故事最好的部分是:萨姆在就医的过程中一分钱也没花。

Instead, the bill was paid by the Barmer GEK sickness fund, one of about 160 such nonprofit insurance collectives in the country. Every German resident must belong to a sickness fund, and in turn the funds must insure all comers.

相反,这份账单是由巴默尔GEK疾病基金会支付,该基金会只是德国160个非盈利保险集团之一罢了。每个德国居民都包括在一个疾病基金会名下,因此,这些基金会也必须保证每一个在德国的人都能享受保险。

They’re also mandated to cover a standard set of benefits, which includes most procedures and medications. Workers pay half the cost of their sickness fund insurance, and employers pay the rest. The German government foots the bill for the unemployed and for children. There are also limits on out-of-pocket expenses, so it’s rare for a German to go into debt because of medical bills.

这些基金会也被要求必须包含一系列标准的福利措施,包括大部分的医疗检查和药物。雇员的疾病基金保险金由雇主和他们自己各自分摊一半。德国政府则为失业人群和孩子的保险买单。在德国,他们在自费医疗费用上还有限制,因此一个德国人因为医疗费用而负债几乎是不可能的。

Sound familiar?

听起来挺熟悉的?

It should, since this is very similar to the health-insurance regime that Americans are now living under, now that the Affordable Care Act is four years old and a few days past its first enrollment deadline.

当然熟悉了。这一体系和当下美国人享有的医疗保险体系有着诸多相似之处,这部《平价医疗法案》颁布已经有四年了,再过几天,它的登记截止期就要到了。

All Americans are now required to have health insurance or to pay a fine, and insurers cannot deny coverage to anyone, regardless of pre-existing conditions. Obamacare has also created subsidies for those who can’t afford to buy health insurance and has implemented limits on out-of-pocket costs.

现在,所有的美国人都要交医疗保险,否则就会被处以罚款,保险公司也要无条件的保证自己的保险覆盖到每个人。奥巴马医疗保险也为那些买不起医疗保险的人提供津贴,同时也限制了自费就医费用。

There are, of course, a few key differences. Co-pays in the German system are minuscule, about 10 euros per visit. Even those for hospital stays are laughably small by American standards: Sam paid 40 euro for a three-day stay for a minor operation a few years ago. Included in that price was the cost of renting the TV remote.

当然,两者也有一些关键性的不同之处。在德国医疗保险体系中的挂号费极低,大概每人10欧元左右,这甚至是对于那些需要住院的病人来说,从美国人的角度来看这一花销也少的可怜:萨姆在几年前做一个小手术时需要住院三天,她只花了40欧元。这笔钱大概就是租借一个电视遥控的价钱。这笔钱当中还包括电视遥控器的租金。

And nearly five million Americans fall into what’s called the “Medicaid gap” in states that aren’t expanding the government health insurance program for the poor. These individuals make too much to qualify for the state’s existing Medicaid program (typically just a few thousand dollars a year for childless adults), yet too little to qualify for the federal government’s subsidies to buy health insurance on the new exchanges, so they will remain uninsured. InGermany, employees' premiums are a percentage of their incomes, so low-wage workers simply pay rock-bottom insurance rates.

由于美国政府的医疗保险项目并没有把穷人包括在内,全国大约有五百万美国人调入了所谓的“医疗费的无底洞”。这些人毫无疑问有资格享受国家现有的医疗项目(特别是那些给没有孩子的大人每年几千美元的补助),但是他们却不能享受到联邦政府为购买医疗保险所提供的津贴,所以他们仍然无法享受保险。在德国,企业雇员的保险费是按照他们收入的一定百分比收取,因此工资低的雇员也只是简单的缴纳最低比例的保险费用。


剩下的下次再发。。。

2014.04.22【英译汉】What American Healthcare Can Learn From Germany 1

2014.04.26【英译汉】What American Healthcare Can Learn From Germany 2

2014.04.26【英译汉】What American Healthcare Can Learn From Germany 3

2014.04.26【英译汉】What American Healthcare Can Learn From Germany 4


最后编辑于:2014-04-26 09:09
分类: 英语
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