out-of-pocket expenses; out-of-pocket costs

简明释义

现金支付费用

英英释义

例句

1.When traveling, you should budget for out-of-pocket expenses 自付费用 like meals and transportation.

旅行时，你应该为餐饮和交通等自付费用 自付费用做好预算。

2.Many insurance plans require patients to cover out-of-pocket costs 自付费用 for certain treatments.

许多保险计划要求患者为某些治疗承担自付费用 自付费用。

3.After my surgery, I had to pay several out-of-pocket expenses 自付费用 for medications and follow-up appointments.

在我的手术后，我不得不支付几项自付费用 自付费用，用于药物和后续预约。

4.Freelancers often face high out-of-pocket expenses 自付费用 for health insurance premiums.

自由职业者通常面临高额的自付费用 自付费用，用于健康保险的保费。

5.I was surprised by the out-of-pocket costs 自付费用 associated with my dental work.

我对我的牙科工作相关的自付费用 自付费用感到惊讶。

作文

Understanding financial terms is crucial in today's economy, especially when it comes to personal budgeting and managing expenses. One term that often arises in discussions about finances is out-of-pocket expenses, which refers to costs that individuals must pay directly from their own funds, rather than through insurance or other forms of reimbursement. This can include a variety of expenditures such as medical bills, deductibles, and even certain types of taxes. For example, if someone visits a doctor and pays a co-pay, that amount is considered an out-of-pocket cost. Understanding these terms helps individuals plan their finances more effectively.In the context of healthcare, out-of-pocket expenses are particularly significant. Many health insurance plans require policyholders to pay a portion of their medical costs directly. This includes things like co-pays for doctor visits, coinsurance for certain treatments, and deductibles that must be met before insurance coverage kicks in. Consequently, individuals may find themselves facing substantial out-of-pocket costs when dealing with unexpected medical issues. For instance, a sudden illness may lead to multiple doctor visits and tests, resulting in higher out-of-pocket expenses than initially anticipated.Moreover, understanding out-of-pocket expenses is not limited to healthcare. It also applies to various other sectors, including education and travel. For students, out-of-pocket costs can include textbooks, supplies, and fees that are not covered by financial aid or scholarships. Similarly, when traveling, individuals may incur out-of-pocket expenses for meals, lodging, and activities that are not included in the price of a tour package.Being aware of these costs allows individuals to budget appropriately and avoid financial strain. For instance, when planning a trip, one should account for potential out-of-pocket expenses such as dining out or entrance fees to attractions. Failing to consider these can lead to overspending and financial stress during or after the trip.In conclusion, out-of-pocket expenses and out-of-pocket costs are important concepts that everyone should understand. They represent the direct payments made by individuals for various services or products without the assistance of insurance or other reimbursements. By being aware of these costs, individuals can better manage their finances, prepare for unexpected expenses, and ultimately make more informed decisions about their spending habits. Whether it’s for healthcare, education, or travel, recognizing and planning for out-of-pocket expenses can lead to greater financial stability and peace of mind.

理解金融术语在当今经济中至关重要，特别是在个人预算和管理费用方面。一个常常出现在财务讨论中的术语是自付费用，它指的是个人必须直接用自己的资金支付的费用，而不是通过保险或其他形式的报销。这可以包括各种支出，例如医疗账单、免赔额，甚至某些类型的税费。例如，如果某人去看医生并支付了共付额，那么该金额就被视为自付成本。理解这些术语有助于个人更有效地规划财务。在医疗保健的背景下，自付费用尤为重要。许多健康保险计划要求投保人在医疗费用中直接支付一部分。这包括像医生访问的共付额、某些治疗的共同保险以及在保险覆盖生效之前必须满足的免赔额。因此，个人在处理意外医疗问题时可能会面临可观的自付成本。例如，突发疾病可能导致多次医生就诊和检查，从而导致高于最初预期的自付费用。此外，理解自付费用并不仅限于医疗保健。它还适用于教育和旅行等各个领域。对于学生而言，自付成本可能包括教科书、用品和不包括在经济援助或奖学金中的费用。同样，在旅行时，个人可能会因餐饮、住宿和未包含在旅游套餐价格中的活动而产生自付费用。意识到这些成本使个人能够适当地预算，并避免财务压力。例如，在计划旅行时，应考虑潜在的自付费用，例如外出就餐或景点门票。如果不考虑这些，可能会导致超支和旅行期间或之后的财务压力。总之，自付费用和自付成本是每个人都应该理解的重要概念。它们代表个人在没有保险或其他报销帮助的情况下，为各种服务或产品所做的直接支付。通过意识到这些成本，个人可以更好地管理财务，为意外支出做好准备，并最终就消费习惯做出更明智的决策。无论是医疗、教育还是旅行，认识到并规划自付费用都可以带来更大的财务稳定性和内心的平静。