out-of-pocket cost

简明释义

现金成本

英英释义

例句

1.Traveling abroad can incur significant out-of-pocket cost 自付费用 for medical emergencies.

在国外旅行可能会产生显著的自付费用用于医疗紧急情况。

2.For dental work, it's important to ask about your out-of-pocket cost 自付费用 before getting started.

在进行牙科治疗之前，询问你的自付费用是很重要的。

3.Many people underestimate their out-of-pocket cost 自付费用 when choosing a health plan.

许多人在选择健康计划时低估了他们的自付费用。

4.After my insurance paid for the procedure, my total out-of-pocket cost 自付费用 was only $200.

在我的保险支付了手术费用后，我的总自付费用只有200美元。

5.The out-of-pocket cost 自付费用 for the new medication was higher than I expected.

新药的自付费用比我预期的要高。

作文

Understanding the concept of out-of-pocket cost is essential for anyone managing their personal finances or navigating the healthcare system. An out-of-pocket cost refers to expenses that individuals must pay directly, rather than having them covered by insurance or another source. This term is frequently used in discussions about medical bills, insurance policies, and overall budgeting. By grasping this concept, one can make more informed financial decisions and better prepare for unexpected expenses.In the context of healthcare, out-of-pocket costs can include deductibles, copayments, and coinsurance. For instance, if a person has a health insurance plan with a $1,000 deductible, they are responsible for paying that amount before their insurance starts to cover costs. Additionally, even after meeting the deductible, there may still be copayments for doctor visits or prescriptions that the individual must pay out of their own pocket. Understanding these out-of-pocket costs helps patients budget for their healthcare needs and avoid financial strain.Moreover, out-of-pocket costs are not limited to healthcare. They can also apply to various other areas, such as education and home repairs. For example, students may face out-of-pocket costs when purchasing textbooks or supplies that are not covered by financial aid. Homeowners might encounter out-of-pocket costs when they need to repair a leaky roof or replace a broken appliance, expenses that insurance might not fully cover.When planning a budget, it is crucial to account for potential out-of-pocket costs. Many people underestimate how much they will spend on these direct expenses, which can lead to financial difficulties. By carefully tracking all potential out-of-pocket costs, individuals can create a more realistic budget that includes savings for emergencies or unexpected expenses.Additionally, understanding the nature of out-of-pocket costs can encourage individuals to seek ways to minimize them. This might involve shopping around for better insurance plans, negotiating medical bills, or taking advantage of preventive care services that can help avoid larger costs down the line. By being proactive about managing out-of-pocket costs, individuals can enhance their financial stability.In conclusion, the term out-of-pocket cost encompasses a variety of direct expenses that individuals must pay themselves. Whether related to healthcare, education, or home maintenance, these costs can significantly impact one’s financial well-being. By understanding and anticipating out-of-pocket costs, individuals can make smarter financial choices, ensuring they are prepared for both expected and unexpected expenses. Being informed about these costs is a vital step toward achieving financial security and peace of mind.

理解自付费用的概念对任何管理个人财务或导航医疗系统的人来说都是至关重要的。自付费用是指个人必须直接支付的费用，而不是由保险或其他来源覆盖的费用。这个术语经常出现在关于医疗账单、保险政策和整体预算的讨论中。通过掌握这个概念，人们可以做出更明智的财务决策，并更好地为意外支出做好准备。在医疗保健的背景下，自付费用可以包括免赔额、共付额和共保额。例如，如果一个人有一项1000美元的健康保险计划免赔额，他们在保险开始覆盖费用之前需要负责支付这笔金额。此外，即使在满足免赔额之后，个人可能仍需为医生就诊或处方药支付共付额，这些费用也由个人自付。理解这些自付费用帮助患者为他们的医疗需求制定预算，避免财务压力。此外，自付费用并不仅限于医疗保健。它们还适用于教育和房屋维修等各个领域。例如，学生在购买不被经济援助覆盖的教科书或用品时，可能会面临自付费用。房主在需要修理漏水的屋顶或更换损坏的电器时，可能会遇到自付费用，这些费用保险可能不会完全覆盖。在制定预算时，考虑潜在的自付费用至关重要。许多人低估了他们将花费多少在这些直接费用上，这可能导致财务困难。通过仔细跟踪所有潜在的自付费用，个人可以制定出更现实的预算，包括为紧急情况或意外支出储蓄。此外，理解自付费用的性质可以鼓励个人寻找减少这些费用的方法。这可能涉及寻找更好的保险计划、协商医疗账单或利用预防性护理服务，这些服务可以帮助避免更大的费用。通过积极主动地管理自付费用，个人可以增强他们的财务稳定性。总之，术语自付费用涵盖了个人必须自己支付的各种直接费用。无论与医疗保健、教育还是家庭维护有关，这些费用都可能对一个人的财务健康产生重大影响。通过理解和预测自付费用，个人可以做出更明智的财务选择，确保他们为预期和意外支出做好准备。了解这些费用是实现财务安全和平静心态的重要一步。