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https://time.com/5806312/coronavirus-treatment-cost/

前言：
時代雜誌訪問一名在美國完治COVID-19的病患花了多少錢，答案是34927.43美金



另外也有人指出，這個病患同時也有癌症，這也是他醫療費用這麼貴的主要原因之一。

全文:

When Danni Askini started feeling chest pain, shortness of breath and a
migraine all at once on a Saturday in late February, she called the
oncologist who had been treating her lymphoma. Her doctor thought she might
be reacting poorly to a new medication, so she sent Askini to a Boston-area
emergency room. There, doctors told her it was likely pneumonia and sent her
home.



Over the next several days, Askini saw her temperature spike and drop
dangerously, and she developed a cough that gurgled because of all the liquid
in her lungs. After two more trips to the ER that week, Askini was given a
final test on the seventh day of her illness, and once doctors helped manage
her flu and pneumonia symptoms, they again sent her home to recover. She
waited another three days for a lab to process her test, and at last she had
a diagnosis: COVID-19.


:COVID-19。

A few days later, Askini got the bills for her testing and treatment:
$34,927.43. “I was pretty sticker-shocked,” she says. “I personally don’t
know anybody who has that kind of money.”

幾天後，阿斯基尼收到了檢查和治療的賬單:34,927.43美元。她說:“我非常震驚。”“
我個人不認識有那麼多錢的人。”

Like 27 million other Americans, Askini was uninsured when she first entered
the hospital. She and her husband had been planning to move to Washington,
D.C. this month so she could take a new job, but she hadn’t started yet. Now
that those plans are on hold, Askini applied for Medicaid and is hoping the
program will retroactively cover her bills. If not, she’ll be on the hook.



She’ll be in good company. Public health experts predict that tens of
thousands and possibly millions of people across the United States will
likely need to be hospitalized for COVID-19 in the foreseeable future. And
Congress has yet to address the problem. On March 18, it passed the Families
First Coronavirus Response Act, which covers testing costs going forward, but
it doesn’t do anything to address the cost of treatment.

她不是特例。公共衛生專家預測，在可預見的未來，美國各地可能有數萬甚至數百萬


While most people infected with COVID-19 will not need to be hospitalized and
can recover at home, according to the World Health Organization, those who do
need to go to the ICU can likely expect big bills, regardless of what
insurance they have. As the U.S. government works on another stimulus
package, future relief is likely to help ease some economic problems caused
by the coronavirus pandemic, but gaps remain.



Here is everything you need to know about what getting treated for COVID-19
could cost you.

以下是你需要知道的所有治療COVID-19的費用。

How much does it cost to be hospitalized for COVID-19?
住院治療COVID-19需要多少錢?

Because of our fragmented health care system, it depends on what kind of
insurance you have, what your plan’s benefits are, and how much of your
deductible you’ve already paid down.

由於我們支離破碎的醫療保健系統，這取決於你有什麼樣的保險，你的計劃的特點是什麼
，以及你已經支付了多少你的自付額。

A new analysis from the Kaiser Family Foundation estimates that the average
cost of COVID-19 treatment for someone with employer insurance—and without
complications—would be about $9,763. Someone whose treatment has
complications may see bills about double that: $20,292. (The researchers came
up with those numbers by examining average costs of hospital admissions for
people with pneumonia.)



How much of that do I have to pay?
我要付多少錢?

Most private health insurance plans are likely to cover most services needed
to treat coronavirus complications, but that doesn’t include your deductible
—the cost you pay out-of-pocket before your insurance kicks in. More than
80% of people with employer health insurance have deductibles, and last year,
the average annual deductible for a single person in that category was
$1,655. For individual plans, the costs are often higher. The average
deductible for an individual bronze plan in 2019 was $5,861, according to
Health Pocket.



In both complicated and uncomplicated cases, patients with employer-based
insurance can expect out-of-pocket costs of more than $1,300, the Kaiser
researchers found. The costs were similar regardless of complications because
many people who are hospitalized reach their deductible and out-of-pocket
maximum.



Many health insurance plans also require co-pays or co-insurance, too. Those
costs are often 15-20% for an in-network doctor, meaning you would pay that
portion of the cost, and can be much more for out-of-network doctors.



Medicare and Medicaid will also likely cover the services needed for
coronavirus treatment, but the details on deductibles (for Medicare) and
potential co-pays will again depend on your plan, and which state you’re in
for Medicaid.

醫療保險和醫療補助計劃也可能涵蓋冠狀病毒治療所需的服務，但(醫療保險的)免賠額和
潛在的自付額的細節將再次取決於你的計劃，以及你所在的州的醫療補助計劃。

What if I’m uninsured?
如果我沒有保險怎麼辦?

It’s not pretty. Some hospitals offer charity care programs and some states
are making moves to help residents pay for COVID-19 costs beyond testing.
Several states, including Maryland, Massachusetts, Nevada, New York, Rhode
Island and Washington, have created “special enrollment periods” to allow
more people to sign up for insurance mid-year.



Other states are requiring coverage of future vaccines or changing rules
about prescription medication refills to help people stock up on essential
medicines. So far, Maine, Maryland, Massachusetts, Nevada, New Mexico, New
York and Oregon have required insurers to waive costs for a COVID-19 vaccine
once one is ready, and the states that have loosened rules to help people
fill prescriptions include Alaska, Colorado, Delaware, Florida, Maine,
Maryland, New Hampshire, North Carolina and Washington.



The Commonwealth Fund, a healthcare think tank, has a coronavirus tracker that
’s keeping a list of the moves each state has made so far.
There’s no way I could afford to pay out-of-pocket for care. What can I do?

醫療保健智庫聯邦基金(Commonwealth Fund)有一個冠狀病毒追蹤器，記錄各州迄今爲止
採取的行動。

There’s no way I could afford to pay out-of-pocket for care. What can I do?
我付不起醫療費的話，我還能做什麼?

The U.S. health care system doesn’t have a good answer for you, and it’s a
problem. But there are a few things to keep in mind that could help minimize
costs.

美國的醫療保健系統對你沒有一個好的答案，這是一個問題。但有幾件事要記住，可以幫
助最小化成本。

If you think you may have the virus, the first step is to call your doctor or
emergency department before showing up, the CDC says. This will let them
prepare the office and give you instructions ahead of time, but it could also
save you money. Getting treated in a hospital will generally start off more
expensive than a visit to a doctor’s office. Another cost comes from the “
facilities fee,” which many hospitals charge anytime a patient comes through
their doors. For Danni Askini’s first trip to the hospital in Boston on Feb.
29, for example, she was charged $1,804 for her emergency room visit and
another $3,841.07 for “hospital services.”



Other costs to watch out for include lab tests, which can be “out-of-network
” even if the doctor treating you is in your insurance network. It’s always
best to ask for information in writing so that you can appeal the bills if
necessary, says Caitlin Donovan of the National Patient Advocate Foundation.
And appealing is worth it. Often, providers and insurers have reversed or
lowered bills when patients go public or are covered by the media.



These problems aren’t coming out of the blue. Even when we’re not
weathering a global pandemic, Americans face uniquely high health care costs,
compared to the rest of the world, and millions of us already put off medical
care because of concerns about how much it’ll cost. But with COVID-19
sweeping across the country, an old problem becomes increasingly urgent: many
Americans could still face massive treatment bills, or seek to prevent those
by avoiding testing and treatment—worsening the outbreak further.



“If you’re sick, you need fewer barriers,” Donovan says. “But also, it
doesn’t help society to have people still crawling around going to their job
and getting other people sick.”

“如果你生病了，你需要更少的阻礙，”多諾萬說。“但同時，讓人們仍然到處爬着去上
班，讓其他人生病，也無助於社會。”


美國網友表示：

快去保險。

生活充滿了選擇。
如果你選擇不買保險，那麼你應該每個月在投資賬戶裏存一筆等額的保險費。
順便說一下，付那個賬單可能比買保險便宜。

她應該要保險的

我們追求利潤的醫療行業比該死的流行病更危險

醫療保險。沒有公司支付。沒有處方費用。沒有扣除。沒有應用程序。沒有先決條件。
所有的醫生、診所和醫院都必須接受它。再也沒有比這狗屁的醫療系統了。

讓我們一起慶祝資本主義的成功吧。

這太糟糕了，我的癌症治療花費了我120歐元，包括多次ct和mrt，以及12位不同的醫生和
護士。而且手術是由部門主管做的，我沒有任何等待時間
(歐洲人在炫耀)

告訴其他州的人投票給伯尼他有個計劃。她的債務將被還清，她再也不會收到這樣的醫院
賬單了。很明顯，在社會主義瘟疫期間，政府接管了生產工具。

把帳單寄給川普政府

義大利的病人不會收到賬單。當然，他們中的許多人已經死了，但這難道不比支付一大
筆賬單(或可能不支付)更好嗎?
噢，歐巴馬醫改不是通過使保險更便宜、更容易獲得來解決所有這些問題嗎?

歡迎來到美國和這個系統，支持 @JoeBiden

《時代》比大多數人更討厭川普。
期待着《時代週刊》的後續報道，看看這個人到底花了多少錢。

把帳單寄給白宮

把票投給伯尼· 桑德斯，我們就再也不會有這個問題了。其他文明國家都有全民醫療體系
。相反，美國有一個保險詐欺體系。我們可以改變這個體系，是時候了。

這是誤導。你很簡略地忽略了病人也有癌症的那部分。對於那些有潛在健康問題的人來說
，治療將會更加昂貴。

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～四十八個德瑞克～http://blog.derekhsu.net


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