不过这只是给医生的费用,不是给医院的。在去年Health Affairs发表的另一篇研究报告中,科研人员发现,生育还将产生1,189美元至11,986美元不等的住院费,这还是在分娩风险较低的情况下。
To be clear, your actual out-of-pocket costs will vary considerably depending on your healthinsurance policy.
这里需要明确指出,根据医疗保险的不同,你需要支付的实际费用会有很大差异。
Most people with insurance first have to fulfill a deductible—that is, pay a certain amount out ofpocket before insurance covers the bill. On average, employees in traditional PPO family plansneed to pay $2,012 as a family or $944 per person to meet their deductible, according to theKaiser Family Foundation.
大部分人在自费医疗达到一定数额后,才能开始享受保险——也就是在保险公司付账之前先自掏腰包。根据Kaiser Family Foundation(KFF)的数据,参加优选医疗机构(PPO)计划的家庭平均需要支付2,012美元,或每个家庭成员支付944美元,才能达到保险的条件。
After that, your insurer may still require you to chip in. You may owe co-pays or a percentage ofthe bill, called co-insurance. The average hospital co-pay is $308 per admission, and $281 per day.The average co-insurance rate is 19% of the bill, KFF found.
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