首页
外语
计算机
考研
公务员
职业资格
财经
工程
司法
医学
专升本
自考
实用职业技能
登录
外语
Filling in the Insurance Gap for Adult Children A)Tamar Zaidenweber, a 24-year-old graduate student at Georgetown University, lo
Filling in the Insurance Gap for Adult Children A)Tamar Zaidenweber, a 24-year-old graduate student at Georgetown University, lo
admin
2014-09-30
64
问题
Filling in the Insurance Gap for Adult Children
A)Tamar Zaidenweber, a 24-year-old graduate student at Georgetown University, lost her insurance coverage(保险范围)under her father’s health plan in 2008 because she was no longer financially dependent on him. Because of the new health care law, she will be able to rejoin his policy. But not until January. In the meantime, she will renew the student policy she had last year, even though the coverage isn’t as good and the price, $ 1 745 for the year, is much steeper than rejoining her father’s plan, which she will be able to do free. "It’s extremely frustrating," she said.
B)Finding a health plan for college-age children isn’t something parents have had to think much about. Most decide to keep their children on their employer’s plan, which is typically more comprehensive than coverage offered through the school or in the market for individual policies. But many health plans limit coverage of college-age children for a variety of reasons, including age, whether they live at home and whether they are financially dependent. For families with those plans, the choices are more difficult. And the health care law has added wrinkles to an already complicated decision.
C)Under the new law, employers will be required to offer to cover adult offspring until they are 26, regardless of their student status or whether they are financially dependent on their parents. The provision takes effect on or after Sept. 23, 2010, whenever health plans renew coverage. For many companies, that means January 2011, but for others it could be March or even July. So students like Ms. Zaidenweber face a gap in coverage of several months. Because of a pre-existing condition, she does not qualify for an individual insurance policy to tide her over until January, when she will rejoin her father’s plan. But Georgetown won’t permit her to buy student coverage for just one semester, so beginning in January she will be doubly insured. For many such students and their families, finding adequate health insurance remains a challenge. Here are strategies to consider.
Employer Plans
D)Employer plans generally offer more comprehensive coverage than student or individual policies. But don’t assume the company plan is the best choice. If you haven’t done so, check with your human resources department to make sure your child will be covered in the fall. If there is going to be a gap, find out your health plan renewal date and when the enrollment period(申请登记日期)will be held to add adult children. If your plan doesn’t renew until next year, under the federal Consolidated Omnibus Budget Reconciliation Act, you can keep your child on your employer plan in the interim(中间时期). But you will be responsible for paying the premium to cover the child.
E)Cost is another important question. Once the plan renews its policy, the new health care law prohibits employers from charging a higher rate for adult children who are newly qualified for coverage. Companies can charge more for all dependents, however, and many may do so.
F)In a recent survey by Mercer, a human resources consulting firm, one third of employers said they would strongly consider increasing the premiums for dependent coverage to offset the higher costs of covering adult offspring. If your company plans to do this, you may want to consider other options, such as individual insurance, especially if your child is healthy.
G)The new health care law eliminates some barriers for parents who want to keep college students on the family plan, but obstacles remain. One all-too-common difficulty: If your child is going to school out of state, your health plan may not cover most services there. That’s the situation facing the Davis family of Malibu, Calif. Skyler Davis, 18, is heading to Drexel University this fall, but the family’s health maintenance organization will cover him only for emergency or urgent care, not routine doctor appointments, while he’s in Philadelphia. So the Da vises will probably buy Drexel’s student plan, at $.1 140 a year. Elyse Davis concedes she does not like the $ 50 000 per condition per lifetime cap on benefits. "You go into the hospital for two days, and that could do it," she said.
Student Policies
H)A majority of colleges offer student health insurance, and some provide solid coverage—but they are the exception. "Most student plans are really bad," said Stephen Beckley, a health care management consultant for colleges and universities in Fort Collins, Colo. Student health plans must meet new standards under the health law, but the specific regulations have not been issued. The law is likely to have no effect this fall, since those health plans are already in place.
I)If you’re considering buying a college plan, look for several important elements, said Mr. Beckley and other experts. They include: catastrophic coverage of at least $1 million in lifetime benefits; no exclusions of coverage for pre-existing conditions if your child was covered immediately before signing up; first-dollar mental health coverage, not subject to a deductible(免赔额); and solid prescription drug coverage.
J)As more parents see cuts to their generous employer health benefits or lose them entirely, some student health plans, even ones that aren’t particularly robust, are starting to look at least somewhat attractive. Donna and Brent Funck’s daughter Brenna, 18, will attend Tulane University in New Orleans this fall. Mr. Funck owns a software business, and the family is insured through an individual policy. Brenna Funck, however, has a congenital(先天的)heart defect that makes her difficult to insure. The Funcks pay $ 300 a month for a separate individual policy for her, with a $ 2 500 deductible.
K)Tulane’s policy isn’t ideal for someone with a medical condition that may require expensive care. The policy maxes out at $ 250 000 per condition per lifetime. "One event that requires surgery would wipe that out," Ms. Funck said. But the $ 1 754 annual premium is a lot less than the Funcks pay, and the deductible is just $ 250. Despite reservations, they said they would sign her up.
Individual Plans
L)If the parents’ insurance isn’t an option and the school policy is poor or nonexistent, students who are healthy may be able to get a good deal on an individual policy. The average rate for an 18- to 24-year-old is $ 106 a month for a plan with a $2 300 deductible, said Carrie McLean, a consumer specialist with eHealthInsurance. com, which sells policies from 180 insurers through its Web site. Individual policies are not known for being generous, but they may be a better choice for students than in years past. Under the health care law, new individual plans must meet new standards beginning Sept. 23, including no lifetime limits on coverage and free preventive care.
Tamar Zaidenweber lost her insurance coverage under her father’s health plan because she didn’t rely on his father financially any more.
选项
答案
A
解析
同义转述题。由定位句可知,Tamar失去了在父亲名下的健康保险,这是因为她经济独立,不再依赖父亲了。题干中的not any more是对原文中的no longer的同义转述,rely on是对原文中dependent on的同义转述。
转载请注明原文地址:https://kaotiyun.com/show/mVv7777K
0
大学英语四级
相关试题推荐
AUNreportsaysthatoverhalftheworld’speoplenowliveincities.A(1)______ago,lessthanfivepercentofallpeoplelived
VisitorstoBritainmayfindthebestplacetosamplelocalcultureisinatraditionalpub.Ateamofresearchershave(1)______
A、TVprogramsshouldbeimproved.B、WatchingTVisharmfultokids.C、Kidsshouldeatmorepotatoes.D、Kidsshouldtakemoreexe
A、Intheschooldorm.B、Inahotelnearschool.C、AtCanalStreet.D、Athisuncle’shome.A
Theconceptofstudentexchangebetweencountriesisnotanewone.Itisacommon【B1】______inmanyEuropeancountriesandtheU
A、Toreportonthefindingsofastudy.B、Togiveinformationaboutfamilyproblems.C、Toshowtherelationshipbetweenparents
Blindphotographysoundsstrange.Butastriking【B1】______ofphotographsinCalifornia,arguesthatitstemsfromthecoreofco
A、Fivedaughtersfoughtoverinheritancefromtheirfather.B、Afamilysufferedfromnationalprejudice.C、Pridewasintheway
A、Becauseitwasprettyold.B、Becauseitwasaninterestingarchitecture.C、Becauseitwasattheseaside.D、Becauseitwasthe
Doctorsaretobeginatrialofadrugtreatmentthatcoulddoublethetimetransplantedorganssurviveinthebody.The20-minu
随机试题
下列做法中,能够提高财政自身管理和运营效率的有()。
民事诉讼中,当事人不服地方人民法院第一审裁定的,有权在裁定书送达之日起()向上一级人民法院提起上诉。
实验室检查证实单纯疱疹病毒性角膜炎的金标准是
下列有关系统性硬化症的说法,哪一项是错误的
目标评价的常用分析方法包括目标树法、层次分析法等,国际上通常采用()。
案例五:张鹏和李平是同在北京工作的好友,两家居住在同一个居民楼。目前两家都打算额外购置一处房产,价格在50万元左右。张鹏夫妇皆为公务员,每月都按时缴纳住房公积金,张鹏的太太预计在退休年龄内可缴存住房公积金15万元,张鹏离法定退休年龄还剩30年,其名下现有的
为提高闲置资金的使用率,甲公司20×8年度进行了以下投资:(2009年)(1)1月1日,购入乙公司于当日归行且可上市交易的债券100万张,支付价款9500万元,另支付手续费90.12万元。该债券期限为5年,每张面值为100元,票面年利率为6%,于每年12
根据下面材料回答问题。2013年某省全部工业增加值13194.8亿元,比上年增长9.4%。规模以上工业增加值11711.1亿元,增长5.8%。在规模以上工业中,国有及国有控股企业增加值增长3.2%,集体企业下降0.2%.股份制企业增长11.2%,外商及港
FTP命令集因系统、版本而异,常用的命令如下。(54)有ASCII和二进制模式。(55)改变计算机的当前目录。(56)open建立同远程计算机的连接,close关闭连接。(57)put传送一个文件到远程计算机,put传送多个文件到远程计算机。(58)get
Mr.Smith,apassengeronthetranscontinentaltrain,appearedbeforethejudge.Apoliceofficerclaimedhehadattemptedto【
最新回复
(
0
)