out-of-pocket expense; out-of-pocket costs

简明释义

实际现金支出，实际支出

英英释义

例句

1.Many people do not realize how much they will have to pay in out-of-pocket costs 自付成本 for healthcare until they need it.

许多人并不知道在需要医疗服务时，他们需要支付多少自付成本。

2.After my insurance covered the medical bills, I still had to pay some out-of-pocket expenses 自付费用 for the prescription medications.

在我的保险支付了医疗账单后，我仍然需要为处方药支付一些自付费用。

3.When planning a budget, it's important to account for any out-of-pocket costs 自付成本 that may arise unexpectedly.

在制定预算时，考虑到可能意外出现的任何自付成本是很重要的。

4.The out-of-pocket expenses 自付费用 for my dental work were higher than I anticipated.

我牙科治疗的自付费用比我预期的要高。

5.I was surprised by the out-of-pocket expenses 自付费用 for my recent surgery, as my insurance only covered part of it.

我对最近手术的自付费用感到惊讶，因为我的保险只覆盖了一部分。

作文

In today's world, managing personal finances is more important than ever. One of the key concepts that individuals should understand is the idea of out-of-pocket expense, which refers to costs that are incurred directly by the individual rather than being covered by insurance or other forms of reimbursement. These expenses can significantly impact a person's budget and financial planning. For instance, when someone visits a doctor and has to pay a co-pay or cover the entire cost of a service not included in their health insurance plan, these payments are considered out-of-pocket costs. Understanding these costs is crucial for effective financial management.The significance of out-of-pocket expenses extends beyond healthcare. In everyday life, there are various situations where individuals might encounter such costs. For example, if a person decides to repair their car, they may have to pay for parts and labor upfront, which would also be classified as out-of-pocket expenses. This highlights the importance of budgeting for unexpected costs that may arise in different areas of life.Moreover, many people find themselves facing substantial out-of-pocket costs when it comes to education. Students may need to pay for textbooks, supplies, and other fees that are not covered by financial aid or scholarships. These expenses can add up quickly and create financial strain. Therefore, it is essential for students and their families to plan ahead and account for these out-of-pocket expenses when considering the total cost of education.Additionally, out-of-pocket expenses can vary widely depending on individual circumstances and choices. For instance, someone who chooses to use alternative medicine or holistic treatments may find that these services are not covered by insurance, leading to higher out-of-pocket costs. Similarly, those who travel frequently for work or leisure may incur additional expenses for accommodations, meals, and transportation that are not reimbursed by their employer. Understanding these potential out-of-pocket expenses is vital for making informed decisions about travel plans and lifestyle choices.To effectively manage out-of-pocket costs, individuals should keep track of all expenses and create a detailed budget. This practice can help identify areas where spending can be reduced and allow for better preparation for future costs. Furthermore, setting aside an emergency fund specifically for out-of-pocket expenses can provide a safety net during unexpected financial situations.In conclusion, grasping the concept of out-of-pocket expenses is essential for anyone looking to maintain financial stability. These costs can arise in various aspects of life, from healthcare to education and beyond. By understanding and planning for out-of-pocket costs, individuals can navigate their financial responsibilities more efficiently and reduce stress related to unexpected expenditures. Ultimately, being proactive and informed about out-of-pocket expenses can lead to better financial health and peace of mind.

在当今世界，管理个人财务比以往任何时候都重要。个人应该理解的一个关键概念是自付费用，指的是由个人直接承担的费用，而不是由保险或其他形式的报销覆盖。这些费用会显著影响个人的预算和财务规划。例如，当某人去看医生并需要支付共付额或全额支付不包括在其健康保险计划中的服务费用时，这些付款被视为自付费用。理解这些费用对于有效的财务管理至关重要。自付费用的重要性超越了医疗保健。在日常生活中，个人可能会遇到各种情况，在这些情况下，他们可能会面临这样的费用。例如，如果一个人决定修理他们的汽车，他们可能需要提前支付零件和人工费，这也将被归类为自付费用。这突显了在生活不同领域中预算意外费用的重要性。此外，许多人在教育方面面临可观的自付费用。学生可能需要支付教科书、用品和其他不被经济援助或奖学金覆盖的费用。这些费用可能迅速增加并造成财务压力。因此，学生及其家庭在考虑教育的总成本时，必须提前规划并考虑这些自付费用。此外，自付费用因个人情况和选择而异。例如，选择使用替代医学或整体治疗的人可能会发现这些服务不被保险覆盖，从而导致更高的自付费用。同样，频繁出差或旅行的人可能会产生额外的住宿、餐饮和交通费用，这些费用不会得到雇主的报销。了解这些潜在的自付费用对于做出有关旅行计划和生活方式选择的明智决定至关重要。为了有效管理自付费用，个人应记录所有费用并制定详细预算。这种做法可以帮助识别支出可以减少的领域，并允许更好地为未来的费用做好准备。此外，专门为自付费用设立应急基金可以在意外财务状况下提供安全网。总之，掌握自付费用的概念对于任何希望保持财务稳定的人来说都是至关重要的。这些费用可能出现在生活的各个方面，从医疗保健到教育等等。通过理解和规划自付费用，个人可以更有效地应对财务责任，减少与意外支出相关的压力。最终，对自付费用采取主动和知情的态度可以带来更好的财务健康和内心的平静。