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Buy a Little Insurance Now, Load Up Later
Posted by Jacob Goldstein
The new new thing in health insurance: Buy an inexpensive, limited-benefit policy for starters. Then beef it up after, God forbid, you get really sick or badly injured.
American Community Mutual Insurance is rolling the model out today in Texas, and plans to introduce it in more than a dozen other states in the next year, the WSJ reports. It’ll be called “Coverage on Demand” in Texas and “Pay-As-You-Go” in other states. The company will be pushing it for 19-34 year-olds, who don’t tend to need much care, and expects that less than 70 cents of every premium dollar will go toward medical care.
The names of the plans — “Tempo,” “Rhythm,” “Groove” — suggest an old-line company trying hard, perhaps a little too hard, to come up with something hip to court the younger generation. The company’s description of “Tempo” is here.
If you’re a healthy 25-year-old man in Dallas, the limited-benefit plans would cost less than $100 a month and cap your benefit at between $1,000 and $5,000 a year. But buying the basic plan also gives you the option to buy a larger insurance plan when things get rough. In that case, you’d pay a lump sum of about $10,000 and get a plan with a benefit cap of $5 million.
The two-tiered approach combines limited forms of insurance that some have been turning to as fat, employer-sponsored health-care plans become harder to come by: mini-medical plans, which offer only limited coverage, and catastrophic insurance, which doesn’t offer much in the way of basic care but might keep you out of bankruptcy if you get really sick. 本人已认领该文编译，48小时后若未提交译文，请其他战友自由认领 Buy a Little Insurance Now, Load Up Later
Posted by Jacob Goldstein
现在买少量保险，以后增加投保力度
The new new thing in health insurance: Buy an inexpensive, limited-benefit policy for starters. Then beef it up after, God forbid, you get really sick or badly injured.
一项健康保险中的新方案：对初始者来说，购买一份不贵的，有限保障的保险单，虽然上帝不准备让你受伤或患病，但是当你实际上患病或严重受伤后增加投保力度。
American Community Mutual Insurance is rolling the model out today in Texas, and plans to introduce it in more than a dozen other states in the next year, the WSJ reports. It’ll be called “Coverage on Demand” in Texas and “Pay-As-You-Go” in other states. The company will be pushing it for 19-34 year-olds, who don’t tend to need much care, and expects that less than 70 cents of every premium dollar will go toward medical care.
WSJ报道，美国社区共同保险公司（American Community Mutual Insurance）今天在德克萨斯州推出一项方案，并计划在明年把它推广到超过12个的其它州，在德克萨斯州被称为“覆盖需求”，而在其它州被称为“需要时再支付”，公司将针对19－34岁的人群进行推广，这些人不需要很多照顾，而且希望以低于所有保险费用的70%来获得医疗保健。
The names of the plans — “Tempo,” “Rhythm,” “Groove” — suggest an old-line company trying hard, perhaps a little too hard, to come up with something hip to court the younger generation. The company’s description of “Tempo” is here.
这些计划的名称为“节拍”，“节奏”，“惯例”，这显示历史悠久的公司正在努力尝试（可能有点太困难），目的是提出一些健康保险计划来迎合更年轻的一代，因此，公司在这里使用“节拍”来描述。
If you’re a healthy 25-year-old man in Dallas, the limited-benefit plans would cost less than $100 a month and cap your benefit at between $1,000 and $5,000 a year. But buying the basic plan also gives you the option to buy a larger insurance plan when things get rough. In that case, you’d pay a lump sum of about $10,000 and get a plan with a benefit cap of $5 million.
如果你是达拉斯一个健康的25岁青年，那么有限保障计划每月花费将少于100美元，并且以每年花费1000－5000美元来覆盖你的利益。但是当事情变遭时购买基本保险也给你选择来购买一份更大的保险公司合同，在那种情况下，你将一次付清大约10000美元，并且得到一份保障受益达5000000美元的合同。
The two-tiered approach combines limited forms of insurance that some have been turning to as fat, employer-sponsored health-care plans become harder to come by: mini-medical plans, which offer only limited coverage, and catastrophic insurance, which doesn’t offer much in the way of basic care but might keep you out of bankruptcy if you get really sick.
两种保险级别方式的联合限制了一些已经变得臃肿的保险格式，而通过微型医疗计划和灾难保险途径，雇员发起的健康保健计划变得更加困难来达到。前者仅仅提供有限覆盖面的，而对于后者来说，如果你真的生病，那么它不提供许多基本保险但是可以让你远离破产。
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作者:admin@医学,生命科学 2011-07-29 05:15
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