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  3. Competing in the Olympics comes with many obvious perks, like the honor of representing one’s country on the international stage

Competing in the Olympics comes with many obvious perks, like the honor of representing one’s country on the international stage

admin2013-09-26  2
问题     Competing in the Olympics comes with many obvious perks, like the honor of representing one’s country on the international stage and huge bonus. But when elite athletes enter the health-insurance market, they face the same complicated system the rest of us do. Numerous plans exist, each with different requirements and benefits. How much you pay hinges on your sport, your level of competition, and your geographic location.
    Many American team members receive insurance tlirough the U. S. Olympic Committee, which offers a plan called Elite Athlete Health Insurance. The policy operates like employer-based insurance, in which a group of individuals purchase together to drive down prices. In this case, though, the employees are Olympic athletes. The USOC plan covers the basics-things like doctors’ visits and prescriptions—with athletes chipping in small co-pays.
    The Olympic Committee supplies a limited number of policies to each sport. This year U. S. Figure Skating reports 18 spots, USA Luge(竞赛用的小型撬)has 12, and the U. S. Skiing and Snowboard Association has about 70. Each of these organizations known in Olympic terms as the " national governing bodies"—is left to distribute their allotment of policies to their athletes; this means that not every athlete in a particular sport can get coverage—just the top ones.
    What the USOC plan does not pay for—and what athletes definitely want covered—are sports-related injuries; costs incurred from accidents that happen during competition or practice. Each professional athletic association, from figure skating to luge, offers a catastrophic plan, usually for Olympic athletes as well as lower-level competitors. Coverage varies—deductibles(免赔额)range from nonexistent up through $2,500. The USA’s Elite Athlete Insurance, for example, has a $500 deductible and maximum $ 1,250 co-pay per accident, according to a description of its plan listed on its site. But if you’re part of USA Luge, your deductible drops to $ 250. And at the U. S. Bobsled and Skeleton Federation, deductibles change whether you are competing internationally or domestically.
    "The accident insurance is secondary," explains Amy Chapin, director of administration at USA Luge. So if a luge athlete suffers a sports-related injury, " it needs to go through their Elite Athlete Insurance, be denied, and then it comes to us. "
    The losers in the Olympic insurance market are usually the almost-Olympic athletes, the handful of elite competitors for whom their sport is a full-time job yet do not qualify for the Games. They often do not receive USOC coverage and likely do not have access to an employer-based plan. From the way athletic officials describe it, they’re left in a health-insurance situation quite similar to that of unemployed Americans. " The athletes that have it hardest are those who aren’t on the Olympic team, those who don’t qualify," says Darrin Steele, CEO of the U. S. Bobsled and Skeleton Federation. " We don’t have a supplemental policy for them. They’re on their own. "
The writer wants to convey to the reader that______.
选项 A、competing in the Olympics is the utmost goal of every athlete
B、many Olympic athletes can get employer-based insurance
C、it is hard for athletes to get health insurance that they need
D、health insurance is a benefit that all Olympic athletes can enjoy
答案C
解析 主旨大意题。从文章的内容和结构可知，第一段是全文的中心所在，下面的段落都是围绕着第一段内容展开的。第一段指出，参加奥运会固然能给运动员带来很多的好处，但是在医疗保险这个问题上，他们和我们普通人一样面临着复杂的机制，有太多的保险计划，每个险种的要求和保障利益都不相同，而所需要缴纳的费用也随着运动员所从事的运动项目、竞技水平和所处的地理位置而不同，这些都说明运动员得到医疗保险的不易。C)概括了此处的内容，故为答案。A)“参与奥运会的竞争是每个运动员的最终目标”未在原文中提及，可以排除；B)“很多奥运会运动员都可以购买团体险”确实与原文的内容一致，但作者提到这一保险只是作为第一段中提到的运动员面临着复杂的保险选择的一个例子，下面还提到了很多其他的例子。因此该选项不能概括全篇的主旨，可排除；D)“所有的奥运会运动员都可以享受到医疗保险的福利”显然与文章的内容不一致，排除。
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