out-of-pocket cost

简明释义

现金支付成本

英英释义

例句

1.Many people are surprised by the out-of-pocket cost 自付费用 of prescription medications.

许多人对处方药的自付费用感到惊讶。

2.During the meeting, we discussed the out-of-pocket cost 自付费用 associated with the new health plan.

在会议中，我们讨论了与新健康计划相关的自付费用。

3.After my insurance paid for the surgery, my total out-of-pocket cost 自付费用 was only $500.

在我的保险支付了手术费用后，我的总自付费用只有500美元。

4.Traveling abroad often comes with unexpected out-of-pocket costs 自付费用 for medical care.

出国旅行常常伴随着意外的医疗自付费用。

5.The out-of-pocket cost 自付费用 for dental work can add up quickly if you don’t have insurance.

如果没有保险，牙科治疗的自付费用可能会迅速增加。

作文

In today's world, understanding financial terms is crucial for making informed decisions. One such term that often comes up in discussions about healthcare and personal finance is out-of-pocket cost. This phrase refers to the expenses that an individual must pay directly, rather than those covered by insurance or other forms of financial assistance. In essence, it represents the portion of costs that a person has to bear personally, without any help from third parties. Understanding out-of-pocket cost is vital as it can significantly impact one’s financial health and budgeting strategies.When it comes to healthcare, out-of-pocket costs can include deductibles, copayments, and coinsurance. For instance, if you have a health insurance plan with a high deductible, you may find yourself paying a substantial amount out of your own pocket before your insurance kicks in. This can be particularly challenging for individuals who require frequent medical attention or expensive treatments. Therefore, knowing your out-of-pocket costs helps you prepare for potential financial burdens and make better choices regarding your healthcare options.Moreover, out-of-pocket costs are not limited to healthcare. They can also arise in various other contexts, such as education, travel, and home repairs. For example, when pursuing higher education, students often face out-of-pocket costs for textbooks, supplies, and living expenses that are not covered by financial aid. Similarly, when traveling, unexpected expenses like baggage fees or meal costs can add to your overall budget, resulting in out-of-pocket costs that could strain your finances if not anticipated.To manage out-of-pocket costs, it is essential to create a budget that accounts for these expenses. By tracking your spending and identifying areas where you can cut costs, you can reduce the financial strain that comes with unexpected expenses. Additionally, researching different insurance plans and understanding their coverage can help you minimize your out-of-pocket costs in healthcare situations. Many people overlook the importance of comparing plans, but doing so can lead to significant savings in the long run.Another strategy to cope with out-of-pocket costs is to build an emergency fund. Having a financial cushion can provide peace of mind when facing unexpected expenses. Whether it’s a medical bill, a car repair, or a sudden home maintenance issue, an emergency fund can help you cover these out-of-pocket costs without derailing your financial stability.In conclusion, the term out-of-pocket cost encompasses a wide range of expenses that individuals must pay directly. Understanding this concept is essential for effective financial planning and decision-making. By being aware of potential out-of-pocket costs in various aspects of life, individuals can better prepare themselves for financial challenges and ensure they maintain control over their finances. Whether in healthcare, education, or everyday living, managing out-of-pocket costs is a key component of achieving financial well-being and security.

在当今世界，理解财务术语对于做出明智的决策至关重要。其中一个在关于医疗保健和个人财务讨论中经常出现的术语是自付费用。这个短语指的是个人必须直接支付的费用，而不是由保险或其他形式的经济援助覆盖的费用。实质上，它代表了个人必须亲自承担的费用部分，没有任何第三方的帮助。理解自付费用至关重要，因为它可能会对个人的财务健康和预算策略产生重大影响。在医疗保健方面，自付费用可能包括免赔额、共付款和共同保险。例如，如果您拥有高免赔额的健康保险计划，您可能会发现自己在保险生效之前需要支付大量的自费。这对于需要频繁医疗照顾或昂贵治疗的个人来说尤其具有挑战性。因此，了解您的自付费用可以帮助您为潜在的财务负担做好准备，并在选择医疗保健选项时做出更好的决定。此外，自付费用并不限于医疗保健。它们也可以在教育、旅行和房屋维修等各种其他上下文中出现。例如，在追求高等教育时，学生通常面临自付费用，例如教科书、用品和不被经济援助覆盖的生活费用。同样，在旅行时，意外费用如行李费或餐饮费用可能会增加您的整体预算，导致自付费用可能会给您的财务带来压力，如果没有提前预见的话。为了管理自付费用，制定一个考虑到这些费用的预算至关重要。通过跟踪您的支出并识别可以削减成本的领域，您可以减少因意外费用而带来的财务压力。此外，研究不同的保险计划并了解其覆盖范围可以帮助您在医疗保健情况下尽量减少自付费用。许多人忽视比较计划的重要性，但这样做可以在长期内节省大量开支。应对自付费用的另一个策略是建立应急基金。拥有财务缓冲可以在面对意外费用时提供安心。无论是医疗账单、汽车维修还是突发的家庭维护问题，应急基金都可以帮助您支付这些自付费用，而不会破坏您的财务稳定。总之，自付费用这个术语涵盖了个人必须直接支付的一系列费用。理解这一概念对于有效的财务规划和决策至关重要。通过意识到生活各个方面潜在的自付费用，个人可以更好地为财务挑战做好准备，并确保他们保持对财务的控制。无论是在医疗保健、教育还是日常生活中，管理自付费用是实现财务健康和安全的关键组成部分。