out-of-pocket cost

简明释义

现支成本

英英释义

例句

1.Many people are surprised by the out-of-pocket cost 自付费用 of prescription medications.

许多人对处方药的自付费用感到惊讶。

2.The out-of-pocket cost 自付费用 for the dental procedure was higher than I expected.

牙科手术的自付费用比我预期的要高。

3.The out-of-pocket cost 自付费用 for childcare can add up quickly if you have multiple children.

如果你有多个孩子，育儿的自付费用可能会迅速增加。

4.When budgeting for a new car, remember to factor in the out-of-pocket cost 自付费用 for maintenance and insurance.

在预算新车时，记得考虑维护和保险的自付费用。

5.After my insurance covered most of the medical expenses, I still had to pay a significant out-of-pocket cost 自付费用 for the surgery.

在我的保险覆盖了大部分医疗费用后，我仍然需要支付一笔可观的自付费用。

作文

Understanding the concept of out-of-pocket cost is essential for anyone navigating the financial landscape, especially in areas such as healthcare and personal finance. An out-of-pocket cost refers to any expenses that individuals must pay directly, rather than through insurance or other forms of reimbursement. This can include deductibles, co-payments, and any services not covered by insurance policies. In today’s world, where medical expenses are rising, understanding these costs can significantly impact one’s financial planning.For instance, when someone visits a doctor, they may have to pay a co-payment at the time of service. This amount is an example of an out-of-pocket cost because it is paid directly by the patient. Additionally, if the patient requires a procedure that is not covered by their insurance, they will be responsible for the entire fee, which can lead to substantial financial burden. Therefore, it is crucial for individuals to review their insurance plans carefully and understand what their out-of-pocket costs will be for various services.Moreover, the concept of out-of-pocket costs extends beyond healthcare. In personal finance, individuals often face out-of-pocket costs when dealing with expenses related to home repairs, education, or travel. For example, a homeowner may need to pay for repairs to their roof, which could involve significant out-of-pocket costs if their homeowner’s insurance does not cover the damages. Similarly, college students may incur out-of-pocket costs for textbooks and supplies that are not included in their tuition fees.Understanding out-of-pocket costs is vital for budgeting and financial planning. By anticipating these costs, individuals can set aside funds to cover them, reducing the likelihood of financial stress when unexpected expenses arise. For instance, creating a budget that includes estimated out-of-pocket costs for medical visits, home maintenance, and educational expenses can help individuals manage their finances more effectively.In conclusion, the term out-of-pocket cost represents a critical aspect of personal finance and healthcare management. By comprehending what these costs entail and how they can affect one’s financial situation, individuals can make informed decisions that promote better financial health. Whether it involves setting aside money for medical bills or preparing for unexpected home repairs, being aware of out-of-pocket costs is essential for achieving long-term financial stability.

理解自付费用的概念对于任何在金融领域中摸索的人来说都是至关重要的，尤其是在医疗保健和个人财务等领域。自付费用指的是个人必须直接支付的任何费用，而不是通过保险或其他形式的报销。这可能包括免赔额、共付额，以及保险政策不覆盖的任何服务。在当今医疗费用不断上升的世界中，理解这些费用可以显著影响一个人的财务规划。例如，当某人去看医生时，他们可能需要在服务时支付共付额。这一金额就是一个自付费用的例子，因为它是由患者直接支付的。此外，如果患者需要进行保险不覆盖的手术，他们将需要对整个费用负责，这可能导致巨大的财务负担。因此，个人仔细审查他们的保险计划并了解各种服务的自付费用是至关重要的。此外，自付费用的概念不仅限于医疗保健。在个人财务中，个人在处理与家庭维修、教育或旅行相关的费用时也常常面临自付费用。例如，房主可能需要为屋顶维修支付费用，如果他们的房主保险不覆盖损坏，这可能涉及到相当大的自付费用。同样，大学生可能会因教科书和不包括在学费中的用品而产生自付费用。理解自付费用对于预算和财务规划至关重要。通过预见这些费用，个人可以提前存钱以应对，从而减少在意外支出出现时的财务压力。例如，制定一个预算，其中包括医疗访问、房屋维护和教育费用的预计自付费用，可以帮助个人更有效地管理他们的财务。总之，自付费用这一术语代表了个人财务和医疗管理的一个关键方面。通过理解这些费用的内容以及它们如何影响个人的财务状况，个人可以做出明智的决策，以促进更好的财务健康。无论是为医疗账单存钱还是为意外的家庭维修做好准备，意识到自付费用对于实现长期财务稳定至关重要。