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

ydyinglluk (Erin) 译坛新秀
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发表于:2014-04-26 08:53 [只看楼主] [划词开启]

The sickness funds areGermany's version of a “public” health insurance system, and it covers nearly everyone. But a small segment (13 percent) of the population, generally the very wealthy, can opt-out and instead go with the private Krankenversicherung, which follows rules more similar the pre-ObamacareU.S.individual insurance market.

疾病基金会是德国版的“公共”医疗保险体系,它囊括了几乎所有人。但是一少部分普遍十分富裕的人(大概13%)可以不参加这一保险,他们也会选择去私人医院Krankenversicherung在这些医院里使用的保险体系,更倾向于奥巴马医保颁布前的美国私人保险市场的规则适用。

But those differences aside, it’s fair to say theU.S.is moving in the direction of systems likeGermany’s—multi-payer, compulsory, employer-based, highly regulated, and fee-for-service.

但是除了这些不同之处,多重保险费支付人,强制性,基于雇主支付的费用,高度管理化,以及论量计酬的制度制度,从这些特点,我们看的出来美国正在向德国体系的方向倾斜。

You can think of this setup as the Goldilocks option among all of the possible ways governments can insure health. It's not as radical as single-payer models like theU.K.’s, where the government covers everyone. And it's also not as brutal as the less-regulated version of the insurance market we had before the ACA.你可以把这种机构形式当做所有政府能够提供医疗保险的最佳选择。这一种形式并不像英国的单一政府付款模式那样激进(尽管后者覆盖了所有的国民);它也不像平价医药法案颁布以前缺乏政府管制的保险市场一样竞争残酷。

 

“I think you’re moving more in the direction of international standards,” Dirk Göpffarth, head of risk adjustment at the German Federal Social Insurance Office, told me. “TheU.S.was always the odd one out with not regulating healthcare until everyone goes into Medicare.”

“我觉得你正在朝着国际标准这个方向考虑,”德国联邦社会保险办公室的风控部门总监Dirk Göpffarth告诉我说,“美国办的最奇怪的一件事就是它对本国的医疗保健体制缺乏足够的管理,直到每个人都开始用上医疗保险为止。”

Germanyactually pioneered this type of insurance—it all started when Otto von Bismarck signed his Health Insurance Bill of 1883 into law. (It’s still known as the “Bismarckmodel” because of his legacy, and other parts of Europe andAsiahave adopted it over the years.)

事实上,德国在这种形式的保险领域处在领先地位,在1883年俾斯麦签署《健康保险法案》时这一种保险体制就已经开始了(这就是著名的“俾斯麦模式”,欧洲和亚洲的一些其他国家在随后也采用了这一模式。)

But that’s not to say that theBismarckmodel is without its problems. In fact,Germanyshares many healthcare woes with theU.S., and it’s tried some intriguing solutions that Americans might look to, as well.

但是俾斯麦模式也并非完美无瑕,事实上,德国在医疗保健体制上的漏洞和美国人的模式一样多,它也在和美国人一样尝试一些可能的解决办法。

So, with our healthcare system looking decidedly more German, here’s what we have to look forward to.

所以,正是因为我们的医疗保健系统和德国模式越来越相似,我们需要向他们看齐的地方如下。

***

All things considered, it’s good to be a sick German. There are no network limitations, so people can see any doctor they want. There are no deductibles, so Germans have no fear of spending hundreds before their insurance ever kicks in.

考虑到一切因素,可能作为一个德国人生病还挺幸福。因为德国没有网络限制,所以人们可以自己选择自己想见的医生。德国也没有可扣除金额的规定,因此他们也不用担心自己会在他们的保险得以报销之前就花掉好几百欧元。

There’s also no money that changes hands during a medical appointment. Patients show their insurance card at the doctor’s office, and the doctors' association pays the doctor using money from the sickness funds. "You don’t have to sit at home and sort through invoices or wonder if you overlooked fine print,” Sophia Schlette, a public health expert and a former senior advisor at Berlin’s National Statutory Health Insurance Physicians Association, told me. That insurance card, by the way, is good for hospital visits anywhere inEurope.

在预约医生的过程中,也不会收取任何费用。病人们只需向医生出示他们的保险卡,然后医师协会就会从疾病基金会中取钱付给医生。“你不必呆在家里整理那一大堆发票,然后担心自己是不是还漏掉了什么合同上的细则之类的,”一名公共健康专家和一名柏林国家法定健康保险医师协会的前高级顾问Sophia Schlette对我说道。顺便提一下,这种保险卡在欧洲的所有医院都能使用。


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 09:10
分类: 英语

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