QA問答：在美國(guó)，如果有人付不起醫(yī)藥費(fèi)怎么辦？
What happens to someone in America if they cant afford their medical bills?
譯文簡(jiǎn)介
網(wǎng)友：這并不是說你無力支付醫(yī)療保險(xiǎn)！1996年，我44歲的妻子被診斷出患有結(jié)腸癌。她不吸煙，有著非常健康的生活方式，當(dāng)時(shí)她突然在浴缸里滑倒后，去醫(yī)院給自己的背部照了x光，因?yàn)樗J(rèn)為自己的背部受傷了。在她接受放射治療期間，她的醫(yī)療保險(xiǎn)到期了。當(dāng)我試圖付錢的時(shí)候，她取消了她的保險(xiǎn)，稱這是一種既存狀況.....
正文翻譯
What happens to someone in America if they cant afford their medical bills?
在美國(guó)，如果有人付不起醫(yī)藥費(fèi)怎么辦？
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it is not about not being able to afford medical insurance! In 1996 my 44 year old wife was diagnosed with Colon cancer. 44 years old. non smoker a very healthy lifestyle and suddenly after a slip in the bathtub she had an xray of her back because she thought she has hurt it. While she was being treated with radiation her insurance premium came due. When I trie to pay it the cancelled her policy calling it a preexisting condition. At the time I was the CEO of a highly respected children’s mental health hospital. We had the very best insurance money could buy then. her treatment was topped and she died a few weeks later. I lost my wonderful wife, our home, cars and everything else I had worked for my entire professional life. We had just finished personally building the home we expected to retire in on a beautiful island in Washington State. I wound up moving to an apartment.
這并不是說你無力支付醫(yī)療保險(xiǎn)！1996年，我44歲的妻子被診斷出患有結(jié)腸癌。她不吸煙，有著非常健康的生活方式，當(dāng)時(shí)她突然在浴缸里滑倒后，去醫(yī)院給自己的背部照了x光，因?yàn)樗J(rèn)為自己的背部受傷了。在她接受放射治療期間，她的醫(yī)療保險(xiǎn)到期了。當(dāng)我試圖付錢的時(shí)候，她取消了她的保險(xiǎn)，稱這是一種既存狀況。當(dāng)時(shí)我是一家備受尊敬的兒童精神健康醫(yī)院的首席執(zhí)行官。那時(shí)候我們有最好的保險(xiǎn)，她接受了最高級(jí)的治療，幾周后她就去世了。我失去了我可愛的妻子、我們的家、汽車和我整個(gè)職業(yè)生涯為之奮斗的一切。我們自己剛在華盛頓州一個(gè)美麗的小島上建好了房子，打算退休后住進(jìn)去，我最后搬去了一間公寓。
在一年的時(shí)間里，我試圖理清生活的一切，我決定做一件我從未做過的事情，這也令我自己感到震驚。我應(yīng)征了一則從西雅圖到墨西哥的帆船船員招聘廣告。船長(zhǎng)找我是因?yàn)槲以谀鞲绻ぷ鬟^，也學(xué)會(huì)了流利的西班牙語。我賣掉了我所有的東西，然后我們離開了這里。我們?nèi)チ四鞲?，然后去了巴拿馬，我正要回家的時(shí)候，我問他在干什么。他說“我要去西部，想去嗎”，我答應(yīng)了他，幾個(gè)月后，我航行到了加拉帕戈斯群島、馬克薩斯島、塔希提島和其他島嶼，最后來到了新西蘭的納爾遜島。那些地方看起來都很漂亮，那里的人也都很好。我決定留下來看看后面會(huì)發(fā)生什么，我找到了一份教師助理的工作，最后成為了這個(gè)國(guó)家資歷最老的特許醫(yī)院的院長(zhǎng)，現(xiàn)在我退休了。我曾有過重大的健康問題，比如因感染瘧疾而進(jìn)行了肝臟移植，膝關(guān)節(jié)置換術(shù)等等。我的妻子是一個(gè)典型的美國(guó)人，她認(rèn)為美國(guó)是世界上最好的地方。不幸的是，她大錯(cuò)特錯(cuò)了。如果我能說服她搬來這里的話，那她可能還活著。我永遠(yuǎn)不會(huì)原諒美國(guó)的，我也不會(huì)再去那里了，也不會(huì)在那里花一塊錢。
I would like someone from the Right who screams “Socialism” (meaning “Com...ism”) when asked why they are against any form of a national health care system defend your experience as being appropriate. I thank you for sharing. It is these real life experiences that will hopefully one day bring Light to the hearts and minds of the Right.
當(dāng)被問及為什么他們反對(duì)任何形式的國(guó)家醫(yī)療保健系統(tǒng)時(shí)，我希望有一個(gè)右翼人士能大聲疾呼“社會(huì)主義”（意思是“共產(chǎn)主義”）來捍衛(wèi)你的經(jīng)歷，這是最合適的。謝謝你的分享，正是這些真實(shí)的生活經(jīng)歷，希望這些經(jīng)歷有一天能給右派的心靈和思想帶來光明。
The NHS is NOT socialist it was the brainchild of none other than Winston Churchill, it is like Police, Government, armed forces and the like a Socialised system paid for by taxes for the benefit of all.
PS Nye Bevan was the health minister in Churchill’s wartime government, and fought him tooth and nail to stop Churchill bringing the NHS into existence during WW2.
國(guó)民健康保險(xiǎn)制度不是社會(huì)主義制度，它是溫斯頓·丘吉爾的構(gòu)想，它就像警察、政府、武裝部隊(duì)，就像一個(gè)由稅收支付的社會(huì)系統(tǒng)，造福于所有人。
Nye Bevan是丘吉爾戰(zhàn)時(shí)政府的衛(wèi)生部長(zhǎng)，并竭盡全力阻止丘吉爾在二戰(zhàn)期間建立國(guó)民健康保險(xiǎn)制度。
Sorry for the loss of your wife, my Late Fiance Marichu died Of Brain Cancer 2 yrs ago she was only 41 yrs old I loved her Sooo much. Before the brain cancer she had breast cancer 4 yrs ago I emptied out Most of my 401 k retirement account to pay for her Surgery and her Chemo treatments And blood transfusions for almost 1 yr. She got Healthy again but then got this Horrible brain cancer, the US govt penalized me thousands of dollars for early withdrawal even though it's medical emergency this is a DISGRACE period. Many millions of Americans even with Health insurance if U get serious disease can Wipe U out Financially. That's why we need Universal healthcare for all Middle class and Poor Americans just like in Canada, Australia and European countries even third world Country Cuba has Universal healthcare for all its Citizens. Bernie Sanders is the main politician to support this. The problem in USA is many politicians in both political parties are Corrupt Elitists who are all in Bed with the big Insurance and Pharmaceutical companies.
很抱歉你失去了妻子，我已故的未婚妻Marichu兩年前死于腦癌，她只有41歲，我非常非常愛她。在她患腦癌的四年前她得了乳腺癌，我花光了我401k，我退休金賬戶的大部分錢來支付她將近一年的手術(shù)，化療和輸血費(fèi)用。她恢復(fù)了健康，但后來得了可怕的腦癌，美國(guó)政府因?yàn)槲姨崆叭】疃P我?guī)浊涝?，即使這些錢用于醫(yī)療緊急情況。那個(gè)時(shí)候，數(shù)以百萬的美國(guó)人，即使有醫(yī)療保險(xiǎn)，如果你得了很嚴(yán)重的疾病，在經(jīng)濟(jì)上也會(huì)讓你一貧如洗。這就是為什么我們需要為所有中產(chǎn)階級(jí)和窮人提供全民醫(yī)保，就像加拿大、澳大利亞和歐洲國(guó)家，甚至第三世界國(guó)家古巴為所有公民提供全民醫(yī)保一樣。伯尼·桑德斯是支持這一點(diǎn)的主要政客。美國(guó)的問題是，兩黨許多政客都是腐敗精英，與大型保險(xiǎn)公司和制藥公司沆瀣一氣。
You are exactly correct. New Zealand is like Canada. if she had been here she may still be alive. here everyone is treated equal. I moved over 20 yrs ago and passed all my medical and immigration stuff to become a citizen. 8 yrs after being here I fet unusually sick and went to see my doc. I was told I had 8 months to live! I was the director of th oldest hospital in the country. I was told I needed a liver transplant! Whaat?! Turns out when I was 17 I left America to both avoid going to Vitenam and to continue my studies. I moved to Mexico. My minor was Anthropology and I was stomping through the Yucatan jungle in sandals and tee shirts. Dumb youth. I contracted malaria. Not a fun time but got over it. That was 1967. It took from then to 2007 for it to show up. I never knew it damaged livers. Anyway I received a new liver, my wife was flown to Auckland where I was in hospital and put up in a 4 star hotel for 3 months to be with me. All our airfares were paid for. No expense was on us except food. I have had a knee replacement and that was free as well. Don’t tell me docs are inferior with universal healthcare. It is a two pill cure. it is free here but 5 yrs ago the same medication in the US was $80,000 per pill!
你說的對(duì)，新西蘭和加拿大很像。如果她當(dāng)時(shí)生活在這里，她可能還活著。在這里每個(gè)人都被平等對(duì)待。20多年前我搬了家，通過了所有的醫(yī)療和移民手續(xù)，成為了美國(guó)公民。在這里生活了8年后，我感到身體有點(diǎn)不舒服，我去看我的醫(yī)生。我被告知我只有8個(gè)月的生命！ 我是這個(gè)國(guó)家最古老的醫(yī)院的院長(zhǎng)。我被告知我需要肝臟移植！什么？我17歲的時(shí)候離開了美國(guó)，既不想去越南，又想繼續(xù)我的學(xué)業(yè)。我搬到了墨西哥，我的輔修課程是人類學(xué)，當(dāng)時(shí)我穿著涼鞋和T恤在尤卡坦叢林中漫步。當(dāng)時(shí)年輕的我太愚蠢了，我染上了瘧疾。雖然過程很不開心，但還是挺過來了。那是1967年。從那時(shí)到2007年，身體才出現(xiàn)了問題。我從來不知道這種瘧疾會(huì)損害肝臟。不管怎樣，我接受了一個(gè)新的肝臟，我的妻子跟我一起飛到奧克蘭，我在那里住院，并在一家四星級(jí)酒店住了3個(gè)月，我的妻子和我在一起。我們所有的飛機(jī)票都付了。除了吃的，我們沒有任何開銷。我做過膝關(guān)節(jié)置換手術(shù)，而且是免費(fèi)的。別跟我說醫(yī)生在全民醫(yī)保下是低人一等的。這是一種兩顆藥丸的治療方法。這里是免費(fèi)的，但5年前同樣的藥物在美國(guó)是8萬美元一粒！
Thank you very Much for your comments Robert, I'm glad your Happy in New Zealand. Yes seems like U have Very good Universal healthcare in New Zealand as well just like your neighbor country Australia. I actually on my Late father's side have distant relatives from Queensland Australia but I had never met them. His side of family is mostly from Sicily and Austria but some migrated to Australia.Yes in the USA they brainwash everyone that if we have Universal healthcare their tax rates will go up to 70 percent and the medical care would be inferior.Thats what happens when Bernie Sanders campaigns for Universal healthcare in USA. Maybe someday we will have in USA, you take care always God bless.
非常感謝你的評(píng)論，羅伯特，我很高興你在新西蘭過得很開心。是的，看起來你在新西蘭也有非常好的全民醫(yī)保，就像你的鄰國(guó)澳大利亞一樣。事實(shí)上，我已故父親那邊有來自澳大利亞昆士蘭的遠(yuǎn)親，但我從未見過他們。他的家人主要來自西西里島和奧地利，但也有一些移民到了澳大利亞。是的，在美國(guó)，他們給每個(gè)人洗腦，說如果我們有全民醫(yī)保，他們的稅率會(huì)上升到70%，醫(yī)療保健會(huì)更差。這就是伯尼·桑德斯在美國(guó)推廣全民醫(yī)保時(shí)發(fā)生的事。也許有一天我們會(huì)在美國(guó)，愿上帝保佑你，永遠(yuǎn)保重。
Unfortunately most people in the US believe to the point of being brainwashed that the “Land of the Free” is better than anywhere else in the world. Look at the way trump has consistently repeated his “false truths” (called lies in most parts of the world), and US people just suck it up. Even people elected to uphold the integrity and honour of their Government can’t bring themselves to call him on his dishonesty. And the people just lie down and take it.
The wonder and awe that the rest of the world once had for everything USA is quickly turning to mockery and derision
不幸的是，大多數(shù)美國(guó)人認(rèn)為“自由之國(guó)”比世界上其他任何地方都好，這種觀點(diǎn)已經(jīng)深入他們的大腦?？纯刺乩势找恢痹谥貜?fù)他的“虛假事實(shí)”（在世界大部分地區(qū)被稱為謊言），而美國(guó)人只是接受他的這種謊言。即使是那些被選來維護(hù)政府誠(chéng)信和榮譽(yù)的人，也無法對(duì)他的不誠(chéng)實(shí)行為提出譴責(zé)。而人們只是躺下接受。
世界上其他國(guó)家曾經(jīng)對(duì)美國(guó)所擁有的一切都感到驚奇和敬畏，而現(xiàn)在這種驚奇和敬畏正迅速變成嘲笑
My dad had colon cancer a few years back, he and his brother were diagnosed at the same sort of time. It was such a miserable time, I can’t imagine losing your home and property too. It seems like a lottery in America, healthcare is great so long as you don’t need it. If you do you could lose everything. My dad and his brother are both clear now, my dad only went to to doctor with indigestion and they diagnosed him within a few days and had him in for surgery a week or two later, he was so frail when he came home, he looked his age for the first time in his life snd he had a hole right through him where they removed his bowel etc . He wouldn’t have accepted any treatment if it would have cost us our Home, I know what he’s lik, but it didn’t cost us a penny, except for new Pjs and slippers and stuff to take in to hospital.
USA is so cruel to her own people. And the worst thing is the people fight for the system they have, so scared of being perceived as socialist, but why are police and fire depts not considered socialist then? I’m so sorry you had the experience you did, but I really admire your bravery and perseverance in trying something completely new - more than once, and thriving.
我的父親幾年前得了結(jié)腸癌，他和他的兄弟在同一時(shí)間被診斷出患有結(jié)腸癌。那是多么悲慘的一段時(shí)間，我無法想象失去自己的房子和財(cái)產(chǎn)。在美國(guó)，這就像買彩票一樣，只要你不需要，醫(yī)療保健就很好。但如果你需要醫(yī)療保健，你可能會(huì)失去一切。我爸爸和他弟弟現(xiàn)在都沒事了，我爸爸只是因?yàn)橄涣既タ瘁t(yī)生，醫(yī)生幾天內(nèi)就診斷出他了，一兩周后讓他做手術(shù)，他回家的時(shí)候很虛弱，這是他有生以來第一次看起來符合他的年齡，在他身上有一個(gè)洞，他們?cè)谀抢锴谐怂哪c子。我知道他是一個(gè)什么樣的人，他是不會(huì)接受任何治療的，即使這會(huì)讓我們失去我們的家，但我們沒有花一分錢，除了睡衣、拖鞋和一些送到醫(yī)院的東西。
美國(guó)對(duì)自己的人民太殘忍了，最糟糕的是，人們?yōu)樗麄儸F(xiàn)有的制度而戰(zhàn)，他們害怕被視為社會(huì)主義者，但是為什么警察和消防部門不被認(rèn)為是社會(huì)主義的呢？我很抱歉你有這樣的經(jīng)歷，但我真的很欽佩你嘗試全新事物的勇氣和毅力——不止一次的嘗試，而且很成功。
A lot of people just die.
A lot more suffer with treatable conditions for years with a low quality of life. This limits their ability to contribute to society through work.
Some will try to pay out of pocket and then experience crippling debt for the rest of their life.
All in all? The system sucks for most people who can't afford care and are not quite destitute enough to be in Medicaid.
很多人就這么死了。
更多的人患有可治療的疾病，但他們的生活質(zhì)量很低。這限制了他們通過工作為社會(huì)做貢獻(xiàn)的能力。
有些人會(huì)試圖自掏腰包，然后在他們的余生中經(jīng)歷沉重的債務(wù)。
總而言之呢？這個(gè)系統(tǒng)對(duì)大多數(shù)無法負(fù)擔(dān)醫(yī)療費(fèi)用的人來說很糟糕，而且他們還沒有窮到可以享受醫(yī)療補(bǔ)助的地步。
You die. But before you too do you lose your home, your children’s college fund, everything your family has earned and worked for for 20 years. And you leave your spouse and children a legacy of crushing debt that will ruin their lives.
你死了，但你失去了你的房子，失去了孩子的大學(xué)費(fèi)用，以及你的家庭工作了20年賺來的一切。
你給你的配偶和孩子留下了一筆沉重的債務(wù)，這會(huì)毀了他們的生活。
I have a friend who had breast cancer. The cost of radiation treatment, chemotherapy, and eventual mastectomy were so obscenely high that she could not have paid it off in 3 lifetimes. She had to file bankruptcy. A young couple were trying to cope with the expense of the birth of their first child when they get pregnant again. After the birth of their 2nd child, they had to forego buying a starter home and instead filed for bankruptcy. The for-profit American healthcare industry is harming people whether they have critical illness or just ordinary medical expenditures like childbirth. And of course, prescxtion drugs are so high that many people are rationing their medication, such as insulin, thereby endangering their own lives.
Filing bankruptcy appears to be the only answer for many. The only way to get out of this bottomless pit is to get government-negotiated healthcare and pharmaceuticals for everyone. It is already being done with Medicare and VA. It is just a matter of making Medicare for All a reality through Congressional legislation.
我有個(gè)朋友得了乳腺癌。放療、化療和最終乳房切除手術(shù)的費(fèi)用高得令人發(fā)指，她不可能用三輩子的時(shí)間來償還這些錢。
她不得不申請(qǐng)破產(chǎn)。一對(duì)年輕夫婦再次懷孕時(shí)，正努力解決生第一個(gè)孩子的費(fèi)用問題。在他們的第二個(gè)孩子出生后，他們不得不放棄購買第一套住房，而是申請(qǐng)了破產(chǎn)。營(yíng)利性的美國(guó)醫(yī)療保健行業(yè)正在傷害人們，無論他們是患有重病還是只是普通的醫(yī)療支出，如分娩。當(dāng)然，處方藥的價(jià)格非常高，以至于許多人都在定量配給他們的藥物，比如胰島素，以至于可能危及他們自己的生命。
對(duì)許多人來說，申請(qǐng)破產(chǎn)似乎是唯一的結(jié)果。擺脫這個(gè)無底洞的唯一方法是讓政府為每個(gè)人提供醫(yī)療保健和藥品。聯(lián)邦醫(yī)療保險(xiǎn)和退伍軍人管理局已經(jīng)這樣做了。這只是一個(gè)通過國(guó)會(huì)立法使全民醫(yī)療保險(xiǎn)成為現(xiàn)實(shí)的問題。
It varies significantly depending on where you live.
In most Democratic and swing voting states, Medicaid has been expanded to include the overwhelming majority of people who make 150% of the Federal poverty line and lower.
Basically all of the states that are blue on this map have viable public healthcare systems for the poor.
Above the 150% poverty number, ACA subsidies tend to come into play. If you are at the lower end these ACA subsidies can pay for up to 50% of your premium.
Even still, in many rural areas insurance plans are too costly. As an example, my self-employed housemate gets a subsidy which makes his otherwise $450 /month premium closer to $280 /month in the Pittsburgh region. His friend who is also self-employed and makes roughly the same income, pays $600 /month after subsidies for a similar plan in Weirton, WV (30 miles away from Pittsburgh.)
So in many areas people make too much to qualify for Medicaid, but even with ACA subsidies, can only barely or can't afford the premiums.
Nevertheless, the poorest do qualify for Medicaid in the expanded states, and many people are happy with their ACA subsidized plans.
Ultimately roughly 30% of the population is uninsured or underinsured and they span the whole range of the bottom 50% of the population by income.
這取決于你住在哪里。
在大多數(shù)支持民主黨和搖擺不定的州里，醫(yī)療補(bǔ)助計(jì)劃已經(jīng)擴(kuò)大到包括絕大多數(shù)達(dá)到聯(lián)邦貧困線150%或更低的人。
基本上所有地圖上藍(lán)色的州都有針對(duì)窮人的可行的公共醫(yī)療系統(tǒng)。
超過150%的貧困人口，ACA的補(bǔ)貼就開始發(fā)揮作用了。如果你是在貧困人口的末端，這些ACA補(bǔ)貼可以支付高達(dá)50%的保費(fèi)。
即便如此，在許多農(nóng)村地區(qū)，保險(xiǎn)計(jì)劃仍然過于昂貴。舉個(gè)例子，我的室友得到的補(bǔ)貼使他在匹茲堡地區(qū)每月450美元的保險(xiǎn)費(fèi)接近280美元。他的朋友也是個(gè)體經(jīng)營(yíng)，收入和他差不多，他在WV的韋爾頓(距匹茲堡30英里)做了一個(gè)類似的計(jì)劃，扣除補(bǔ)貼后每月支付600美元。
所以在很多領(lǐng)域，人們的收入太高，無法獲得醫(yī)療補(bǔ)助，但即使有ACA的補(bǔ)貼，他們也只能勉強(qiáng)或無力支付保費(fèi)。
然而，在擴(kuò)大的州中，最窮的人確實(shí)有資格獲得醫(yī)療補(bǔ)助，許多人對(duì)他們的ACA補(bǔ)貼計(jì)劃感到滿意。
最終約有30%的人口沒有保險(xiǎn)或沒有足夠的保險(xiǎn)，它們涵蓋了收入最低的50%人口的全部范圍。
You die, it is as simple as that. Most go into bankruptcy to get healthcare which is not the thing to do, but strangely they love their dear departed. CHRISTIAN CONSERVATIVES cannot understand this, it boggles their minds that someone would value the life of a loved one over the ALMIGHTY DOLLAR! They are appalled by this and strangely say they are PRO LIFE! They will tell you how they find life sacred as long as someone else if footing the bill!
你會(huì)死的，就這么簡(jiǎn)單。大多數(shù)人破產(chǎn)是為了獲得醫(yī)療保健，這不是一件應(yīng)該做的事，但奇怪的是，他們愛著死去的親人?；浇瘫Ｊ嘏蔁o法理解這一點(diǎn)，他們的想法難以置信，有人會(huì)把所愛之人的生命看得比萬能的美元還重要！他們對(duì)此感到震驚，并奇怪地說他們是支持生命的！他們會(huì)告訴你，他們覺得生命是多么神圣，只要有人為他們買單！
原創(chuàng)翻譯：龍騰網(wǎng) http://nationgridbenifitservices.com 轉(zhuǎn)載請(qǐng)注明出處
To be honest, it varies wildly. It all depends on who you are, where you are, and what is wrong with you. White with credit, chances are good. Anything else, you might as well go home and die.
Need to rename “Healthcare” to “Dollar care” because in the grand scheme of things, that is all the hospital is interested in. Don't get me wrong, the doctors and nurses definitely care and sympathize with you. But the hospital still rules.
老實(shí)說，差別很大。這完全取決于你是誰，你在哪里，你有什么問題。有了信用，機(jī)會(huì)很大。否則，你還不如回家等死。需要將“醫(yī)療保健”改名為“美元保健”，因?yàn)閺拇缶謥砜?，美元才是醫(yī)院感興趣的。別誤會(huì)我的意思，醫(yī)生和護(hù)士們都很關(guān)心和同情你。但醫(yī)院仍然是有規(guī)矩的
I assume this means after treatment and when the bill comes?
They don’t pay. After a few “overdue notices” it will go to a collection agency.
Collection agency will call several times a week..More letters..They might try to call some of your close relatives to see if they know where you are. Meanwhile, your credit score will tank. If you had plans to take out loans (car, mortgage, small business) you will get denied or a very high interest rate.
There are some options that can be done from here:
-You can initiate contact with the collection agency and negoiate a settlement. If it’s under $5k, they’ll prob make a settlement offer (like if you owe $700, they’ll settle for a one time payment of $450). If it’s higher than that, they’ll push hard for to get payment plan going.
-Declare bankruptcy.
-Continue to be delinquent, your credit will continue to drop, but after 3 to 5 years (again, pending how much you owe) it might be forgiven.
我想這意味著在治療之后和賬單來的時(shí)候？
他們不付錢，幾次“逾期通知”后，就會(huì)送到催收公司。
討債公司每周會(huì)給你打幾次電話，發(fā)更多的信件，他們可能會(huì)給你的親戚打電話，看他們是否知道你在哪里。與此同時(shí)，你的信用評(píng)分會(huì)下降。如果你計(jì)劃貸款（汽車，抵押貸款，小型企業(yè)），你會(huì)被拒絕或需要非常高的利率。
這里有一些可以做的選擇：
你可以主動(dòng)聯(lián)系討債公司，協(xié)商解決。如果低于5000美元，他們可能會(huì)提出和解方案（比如，如果你欠700美元，他們會(huì)一次性支付450美元）。如果高于這個(gè)數(shù)字，他們就會(huì)努力推動(dòng)支付計(jì)劃的實(shí)施
宣告破產(chǎn)
繼續(xù)拖欠，你的信用就會(huì)繼續(xù)下降，但是3到5年之后（同樣是在你欠多少錢的時(shí)候），你可能會(huì)被原諒。
There were two times in my adult life when I went without healthcare insurance. One was when I changed jobs, the other was between when I retired and Medicare kicked in. During both periods if I had had a serious accident or a serious illness, I would have been wiped out financially, so the whole time I was in that state I was on tenterhooks, as it were. Just crosses my fingers and hoped for good luck.
Worst case scenario one can get some care through emergency or charity services but it isn’t much.
我成年后有兩次沒有醫(yī)療保險(xiǎn)。一個(gè)是在我換工作的時(shí)候，另一個(gè)是在我退休和醫(yī)療保險(xiǎn)開始生效之間。在這兩個(gè)時(shí)期，如果我發(fā)生了嚴(yán)重的事故或嚴(yán)重的疾病，我就會(huì)在經(jīng)濟(jì)上一貧如洗，所以我一直處于這種狀態(tài)，就好像是坐立不安一樣，就祈禱好運(yùn)吧。
I hate to be vague but much depends on how much you owe and to whom. Some providers will work with you, allowing you to pay what you can afford per month. If you fall behind they'll turn your account over to collections. If its a large sum that's owed I've known providers turn an account over after 90 days. Some people accept charitable donations. There was a collection taken for one of the staff at a local filling station to help with her cancer related bills. This us a common occurrence. So you see there us no fixed rule, and it us true that huge medical bills on top of a mortgage payment, car note etc is enough for people to file for bankruptcy.
我不想含糊其辭，但這很大程度上取決于你欠誰多少錢。一些供應(yīng)商會(huì)與你合作，讓你每月支付你所能負(fù)擔(dān)的費(fèi)用。如果你逾期不還，他們就會(huì)把你的帳交給托收公司。如果你欠了一大筆錢，據(jù)我所知，供應(yīng)商在90天之后就會(huì)把你的賬戶交出來。有些人接受慈善捐贈(zèng)。有人為當(dāng)?shù)丶佑驼镜囊幻ぷ魅藛T募捐，以幫助她支付與癌癥有關(guān)的賬單。這是常有的事，所以你看，我們沒有固定的規(guī)則，我們確實(shí)有巨額的醫(yī)療費(fèi)用，加上抵押貸款，汽車票據(jù)等足以讓人們申請(qǐng)破產(chǎn)。
I had medical bills I definitely couldn't afford to pay. Even with a decent paying job today I still can't afford it. I didn't pay them, and it went against my credit worthiness which if you have a better credit rating you can get things, home, car,etc., at a cheaper rate. So not paying your medical bills hurts that the most. But in laymans terms nothing happens except for that. Depending on how serious the care you are needing. I suppose you could be sued. And if that were the case we wouldn't have the judicial arena to handle all the cases. The population who can't pay their medical bills is astronomical.
我有我絕對(duì)付不起的醫(yī)藥費(fèi)。即使現(xiàn)在我有了一份體面的工作，我還是負(fù)擔(dān)不起。我沒有還錢，這違背了我的信用等級(jí)，如果你的信用等級(jí)更高，你就能買到東西，房子，汽車等等。而且是以更便宜的價(jià)格。所以不付醫(yī)藥費(fèi)是最不利的。但在外行看來，除此之外什么也不會(huì)發(fā)生。這取決于你需要的護(hù)理有多嚴(yán)重。我想如果你不付醫(yī)藥費(fèi)你會(huì)被起訴的。如果是這樣的話，我們就沒有司法機(jī)構(gòu)來處理所有的案件了，付不起醫(yī)藥費(fèi)的人數(shù)是個(gè)天文數(shù)字。