direct out-of-pocket expenditures

简明释义

直接付现支出

英英释义

例句

1.The government is considering policies to reduce direct out-of-pocket expenditures 直接自付支出 for low-income households.

政府正在考虑减少低收入家庭的直接自付支出 直接自付支出的政策。

2.In some countries, direct out-of-pocket expenditures 直接自付支出 account for a significant portion of total health spending.

在一些国家，直接自付支出 直接自付支出占总健康支出的很大一部分。

3.Insurance plans often require members to pay direct out-of-pocket expenditures 直接自付支出 for certain services.

保险计划通常要求成员为某些服务支付直接自付支出 直接自付支出。

4.The study revealed that direct out-of-pocket expenditures 直接自付支出 can lead to financial hardship for many individuals.

研究表明，直接自付支出 直接自付支出可能会给许多人带来经济困难。

5.Many families struggle with direct out-of-pocket expenditures 直接自付支出 for healthcare costs that are not covered by insurance.

许多家庭在医疗费用方面面临着不被保险覆盖的直接自付支出 直接自付支出的困境。

作文

In today's society, healthcare costs have become a significant concern for many individuals and families. One of the key aspects of understanding these costs is the concept of direct out-of-pocket expenditures (直接自付支出). These are the expenses that patients must pay directly from their own funds, rather than through insurance or other forms of financial assistance. Understanding this term is essential for anyone navigating the complexities of healthcare finance.To begin with, direct out-of-pocket expenditures encompass a wide range of payments related to medical services. This can include copayments for doctor visits, deductibles before insurance kicks in, and the full cost of treatments or medications that are not covered by insurance policies. For instance, if a person needs a specific medication that their insurance does not cover, they must pay for it entirely out of their own pocket. This can lead to significant financial strain, especially for those with chronic conditions requiring ongoing treatment.Moreover, the burden of direct out-of-pocket expenditures can vary greatly depending on an individual’s health insurance plan. Some plans have high deductibles, meaning that patients must pay a substantial amount before their insurance begins to contribute. In contrast, other plans may have lower deductibles but higher premiums, which can also affect how much one ultimately pays out-of-pocket. Therefore, it is crucial for individuals to carefully evaluate their health insurance options and understand the potential costs associated with their choices.The impact of direct out-of-pocket expenditures extends beyond just immediate financial implications. High out-of-pocket costs can lead to delayed medical care, as individuals may choose to forgo necessary treatments due to financial constraints. This can result in worsening health conditions and ultimately lead to more expensive interventions down the line. For example, a patient with a chronic illness might skip regular check-ups because of high copayments, which could lead to complications requiring hospitalization.Additionally, these expenditures can disproportionately affect low-income families. When a large portion of their income goes towards healthcare costs, it can leave little room for other essential expenses such as housing, food, and education. This creates a cycle of financial instability, where families are forced to make difficult choices about their health and well-being.In conclusion, understanding direct out-of-pocket expenditures (直接自付支出) is vital for anyone involved in the healthcare system. It highlights the importance of being informed about healthcare costs and the potential financial impact on individuals and families. As healthcare continues to evolve, policymakers must consider ways to reduce the burden of out-of-pocket costs to ensure that all individuals have access to necessary medical care without facing financial hardship. By raising awareness and advocating for more accessible healthcare solutions, we can work towards a system that prioritizes health and well-being over financial barriers.

在当今社会，医疗费用已成为许多个人和家庭的重要关注点。理解这些费用的一个关键方面是“直接自付支出”这一概念。这是患者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经济援助来支付。理解这个术语对于任何在医疗财务复杂性中徘徊的人来说都是至关重要的。首先，直接自付支出包括与医疗服务相关的一系列费用。这可能包括看医生的共付额、保险开始支付之前的免赔额，以及保险政策不涵盖的治疗或药物的全部费用。例如，如果一个人需要一种保险不覆盖的特定药物，他们必须完全自费购买。这可能导致显著的经济压力，特别是对于那些需要持续治疗的慢性病患者。此外，直接自付支出的负担因个人的健康保险计划而异。有些计划有高免赔额，这意味着患者必须支付相当大的金额，保险才会开始提供补偿。相反，其他计划可能有较低的免赔额，但保费较高，这也会影响个人最终支付的自付费用。因此，个人仔细评估健康保险选项并了解与选择相关的潜在费用至关重要。直接自付支出的影响不仅限于即时的财务影响。高额的自付费用可能导致医疗护理的延迟，因为个人可能由于财务限制而选择放弃必要的治疗。这可能导致健康状况恶化，并最终导致更昂贵的干预措施。例如，一位慢性病患者可能因为高额的共付费用而跳过定期检查，这可能导致并发症需要住院治疗。此外，这些支出可能对低收入家庭产生不成比例的影响。当他们的大部分收入用于医疗费用时，就几乎没有空间用于住房、食品和教育等其他基本开支。这造成了一种财务不稳定的循环，家庭被迫在健康和福祉之间做出艰难的选择。总之，理解直接自付支出(直接自付支出)对于任何参与医疗系统的人来说都是至关重要的。它强调了了解医疗费用及其对个人和家庭潜在财务影响的重要性。随着医疗保健的不断发展，政策制定者必须考虑减少自付费用负担的方法，以确保所有个人都能获得必要的医疗服务，而不面临经济困难。通过提高意识并倡导更可及的医疗解决方案，我们可以朝着一个优先考虑健康和福祉而非财务障碍的系统努力。