 经常听留学生朋友说美国看病贵，不如买张机票飞回国内看病。美国人是否也这样认为？让我们一起来听今天的“老外说”（今天的老外是位来自夏威夷的年轻女性）。  Gwen  I heard it's very difficult in America and some European countries to see a doctor. You have to make an appointment one or two month ahead.
就像在中国每个省市情况不同一样，美国每个州的情况也各不相同。
Lines/queues much longer 排的队伍长得多 healthcare is free /don’t charge anything 就医免费  In America, if you go into a doctor’s office or the clinic, there’s normally a thing called co-pay. Whenever you visit a doctor, you have to pay this co-pay. It’s a very flat rate depending on your company. Whenever I visited a doctor, I always had to pay $30. If there is anything extra after that, they will send me the bill.
小Tip：Co-pay 是 Co-payment的缩写。这是美国医疗保险中的一个专用名词，指在门诊就医和取药时，由保险受益人分摊的费用。与保险费中的自付额（deductable）不同，此项费用是固定的小数额付款，每次看病和取药时都会产生。Copayment 和 deductable 本质上的区别在于前者不计入保费，也不属于保险额范畴；后者则是保险额的一部分，其大小直接影响到保费的多少和赔付额度的高低。 Gwen So it’s really expensive in America, right? 比芬兰是贵得多啦。 Gwen You’re talking about public hospitals. Private hospitals will be much much more expensive. I haven’t been to the doctors for anything serious.
When I get home, maybe 3 or 5 days later, I’ll get a bill, saying that I have to pay this additional thing at home, on top of the 30 that I already paid for going to the doctor.
Gwen The co-pay varies from jobs? What kind of jobs would get very little copay? Government officers?
People who work in banks also have good benefits. 银行工作人员的福利也非常好。
由美国著名建筑师Henry Cobb 设计。大厦有六十层，全身完全被玻璃幕墙所包裹。其自身的色彩只有玻璃的蓝灰和框架的深灰，但当反映出周围的环境时，便有了极为丰富的色彩变化的强烈的动感。在他的平行四边的两个短边上，各有一个三角形的凹角，在立面上就形成了玻璃幕墙的竖向凹槽，由于平面的转折，在一天的任何时候玻璃幕墙的色调都会出现深浅明暗的变化。  Gwen Here in China it's quite cheap. We do have something equivalent to co-pay, but it’s very cheap. It varies from doctors. For very prominent doctors, the Chinese co-pay would be like over 50 or 100 RMB. For a regular doctor, it may be just $1 or $2. But in America, it doesn’t vary from doctors, all the same?
It’s more about the insurance. 主要是看保险。 Gwen If you really do have a serious illness, and working in a very good company, the company would cover most of the fees.
eg：Your parents will have to cover your tuition fees. 你的父母得支付你的学费。
Gwen 那时候你在什么公司上班？
Gwen So it's a private company. If you’re working in a public company, insurance will be much better?
We also have teachers, who supposedly have terrible income and bad benefits. 公职人员还包括教师，据说收入不怎么样，福利也不怎么样。
小Tip： 在美国，大部分留学生都有学生保险，最快和最便宜的就是去看student health service center。那里的医生大多为内科医生，如果是普通感冒，过敏，体检等常规的病情，他们可以帮你处理，但是如果是更重的病情，例如肺炎，他们就会建议你去看专科医生。 |
|
|
