[爆卦] 完治COVID-19的費用：34,927.43鎂
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
儘管檢驗在各州已經是免費的，但確診之後的診療費用，若是重症，很可能是天價，
在沒有保險的狀況下，足以讓一個家庭破產，而美國有相當多的家庭沒有保險，即使
有雇主保險，仍然要付出可觀的費用，這很可能導致有症狀的人避免作檢驗，以免陷
入財務危機，因此美國的確診人數依然有可能被大幅低估。
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.
2月下旬的一個週六，丹尼·阿斯基尼(Danni Askini)突然感到胸痛、呼吸急促和偏頭痛
，於是她打電話給一直在治療她的淋巴瘤的腫瘤醫生。她的醫生認爲她可能對一種新藥反
應不佳，所以她把阿斯基尼送到波士頓地區的急診室。在那裏，醫生告訴她可能是肺炎，
並把她打發回家。
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.
在接下來的幾天裏，阿斯金尼看到她的體溫危險地忽高忽低，她開始咳嗽，因爲肺裏的液
體太多，她發出咯咯的聲音。那個星期，阿斯金尼又去了兩次急診室，在她生病的第七天
，醫生給她做了最後一次檢查，一旦醫生幫她控制了流感和肺炎的症狀，他們又把她送回
了家，讓她恢復健康。她又等了三天，等實驗室來處理她的檢驗，最後她得到了診斷
: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.
和其他2700萬美國人一樣，阿斯基尼剛入院時沒有保險。她和她的丈夫計劃這個月搬到華
盛頓特區，這樣她就能找到一份新工作，但她還沒有開始。現在這些計劃都被擱置了，阿
斯金尼申請了醫療補助，她希望這個項目可以彌補她的賬單。否則，她就會陷入困境。
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
人需要住院治療。國會還沒有解決這個問題。3月18日，它通過了《家庭第一冠狀病毒應
對法案》(Families First Coronavirus Response Act)，該法案涵蓋了未來的檢測費用
，但它對解決治療費用沒有任何幫助。
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.
據世界衛生組織(World Health Organization)說，雖然大多數感染了COVID-19的人不需要
住院，可以在家裏康復，但那些確實需要去重症監護室的人可能會面臨鉅額賬單，不管他
們有什麼保險。美國政府正在制定另一項經濟刺激計劃，未來的救助可能有助於緩解由冠
狀病毒大流行引起的一些經濟問題，但仍存在差距。
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.)
凱撒家庭基金會(Kaiser Family Foundation)的一項新分析估計，有僱主保險且沒有併發
症的人的平均醫療費用(covid19)約爲9763美元。那些有併發症的人可能要多花一倍的錢
:20,292美元。(研究人員通過調查肺炎患者住院的平均費用得出了這些數字。)
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.
大多數私人健康保險計劃可能會涵蓋治療冠狀病毒併發症所需的大部分服務，但這還不包
括你的可扣除部分——你在保險生效前自掏腰包支付的費用。有僱主健康保險的人中有超
過80%的人有免賠額，去年，在這一類別中，一個人每年的平均免賠額是1655美元。對於
個人計劃，成本通常更高。根據Health Pocket的數據，2019年個人銅牌計劃的平均扣除
額爲5861美元。
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.
凱撒研究人員發現，在複雜和非複雜的情況下，以僱主爲基礎的保險的患者可能需要支付
超過1300美元的自付費用。無論併發症如何，費用都是差不多，因爲許多住院的人達到了
他們的自付最高限額。
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.
許多健康保險計劃也要求自付或共同保險。對於保險網路內的醫生來說，這些費用通常
是15-20%，這意味着你將支付這部分費用，而對於保險網路外的醫生來說，這一比例可
能要高得多。
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.
這就很難看了。一些醫院提供慈善護理項目，一些州正在採取措施幫助居民支付除檢測
之外的COVID-19費用。包括馬里蘭、馬薩諸塞、內華達、紐約、羅德島和華盛頓在內的
幾個州已經設立了“特殊登記期”，允許更多的人在年中註冊保險。
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.
其他一些州則要求覆蓋未來的疫苗或改變處方藥補充的規定，以幫助人們儲備基本藥物。
到目前爲止、緬因、馬里蘭、麻薩諸塞州,內華達州,新墨西哥州,紐約和奧勒岡州要求保
險公司在豁免COVID-19疫苗未來某天準備好的成本,和美國放鬆規則來幫助人們補充處方
藥包括阿拉斯加,科羅拉多,特拉華,佛羅里達,緬因州,新罕布什爾州,馬里蘭州、北卡羅萊
納和華盛頓。
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.”
美國疾病控制與預防中心說，如果你認爲自己可能感染了病毒，第一步是在出門之前打電
話給醫生或急診室。這樣可以讓他們提前準備好辦公室，給你指示，但也可以節省你的錢
。在醫院接受治療通常比去醫生的辦公室貴得多。另一項費用來自“設施費”，許多醫院
在病人來醫院時都會收取這一費用。舉例來說，2月29日，丹尼·阿斯基尼第一次去波士
頓的醫院，急診費用是1804美元，“醫院服務”費用是3841.07美元。
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.
其他需要注意的成本包括實驗室檢驗，即使治療你的醫生在你的保險網路中，這些檢驗也
可能是“網路外”的。國家病人倡導基金會的Caitlin Donovan說，最好以書面形式詢問
相關訊息，這樣在必要時你就可以提出上訴。哭訴拜託是有用的。通常情況下，醫療服
務提供者和保險公司會在病人公開病情或被媒體報道時，撤銷或降低費用。
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.
這些問題不是憑空出現的。即使我們沒有經受住一場全球性的流行病，與世界其他地方相
比，美國人面臨的醫療成本也是獨一無二的高，我們中的數百萬人已經因爲擔心醫療成本
而推遲就醫。但是隨着COVID-19席捲全國，一個老問題變得越來越緊迫:許多美國人仍然面
臨着鉅額的治療費用，或者試圖通過避免檢測和治療來避免這些費用，從而進一步惡化疫
情。
“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。
--
～四十八個德瑞克～http://blog.derekhsu.net
--
※ 發信站: 批踢踢實業坊(ptt.cc), 來自: 112.105.150.54 (臺灣)
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噓
03/21 14:17,
5年前
, 155F
03/21 14:17, 155F
推
03/21 14:22,
5年前
, 156F
03/21 14:22, 156F
推
03/21 14:23,
5年前
, 157F
03/21 14:23, 157F
推
03/21 14:26,
5年前
, 158F
03/21 14:26, 158F
推
03/21 14:28,
5年前
, 159F
03/21 14:28, 159F
→
03/21 14:28,
5年前
, 160F
03/21 14:28, 160F
→
03/21 14:28,
5年前
, 161F
03/21 14:28, 161F
推
03/21 14:30,
5年前
, 162F
03/21 14:30, 162F
推
03/21 14:31,
5年前
, 163F
03/21 14:31, 163F
噓
03/21 14:32,
5年前
, 164F
03/21 14:32, 164F
推
03/21 14:33,
5年前
, 165F
03/21 14:33, 165F
→
03/21 14:34,
5年前
, 166F
03/21 14:34, 166F
推
03/21 14:37,
5年前
, 167F
03/21 14:37, 167F
噓
03/21 14:42,
5年前
, 168F
03/21 14:42, 168F
推
03/21 14:57,
5年前
, 169F
03/21 14:57, 169F
推
03/21 15:09,
5年前
, 170F
03/21 15:09, 170F
→
03/21 15:22,
5年前
, 171F
03/21 15:22, 171F
推
03/21 15:30,
5年前
, 172F
03/21 15:30, 172F
推
03/21 15:43,
5年前
, 173F
03/21 15:43, 173F
推
03/21 15:49,
5年前
, 174F
03/21 15:49, 174F
→
03/21 15:49,
5年前
, 175F
03/21 15:49, 175F
推
03/21 16:14,
5年前
, 176F
03/21 16:14, 176F
→
03/21 16:18,
5年前
, 177F
03/21 16:18, 177F
→
03/21 16:55,
5年前
, 178F
03/21 16:55, 178F
→
03/21 17:01,
5年前
, 179F
03/21 17:01, 179F
推
03/21 17:08,
5年前
, 180F
03/21 17:08, 180F
推
03/21 17:15,
5年前
, 181F
03/21 17:15, 181F
→
03/21 17:15,
5年前
, 182F
03/21 17:15, 182F
→
03/21 17:15,
5年前
, 183F
03/21 17:15, 183F
推
03/21 17:52,
5年前
, 184F
03/21 17:52, 184F
推
03/21 18:33,
5年前
, 185F
03/21 18:33, 185F
噓
03/21 19:48,
5年前
, 186F
03/21 19:48, 186F
→
03/21 19:48,
5年前
, 187F
03/21 19:48, 187F
→
03/21 20:10,
5年前
, 188F
03/21 20:10, 188F
推
03/21 20:34,
5年前
, 189F
03/21 20:34, 189F
→
03/21 20:49,
5年前
, 190F
03/21 20:49, 190F
推
03/21 23:05,
5年前
, 191F
03/21 23:05, 191F
噓
03/22 00:44,
5年前
, 192F
03/22 00:44, 192F