美国总统对医疗保险改革的8点保证 (图)

今天，Organizing for America (OFA) 发布了奥巴马总统的关于医疗保险改革的8点
保证。

他在下午2:30通过网络/电话举行的OFA National Health Care Forum with President
Obama 中强调了这8点。并指出，当前那些反对医疗保险改革的党派/团体采用的恐
吓、混淆视听的手法由来以久，早自罗斯福总统时代。但一旦人们了解真相，医疗
保险改革是会获得通过的。

试译如下:

1 ，不得歧视已经有的疾病
保险企业不允许由于个人的病史而拒绝提供医疗保险。
2 ，不允许过高的自付费用， 免赔额和共同支付费用
保险企业必须遵守每年可以收取自付费用的上限。
3 ，免费提供预防保健
保险公司必须完全负责，免费提供，帮助预防疾病的定期检查和检测，
如乳房X线照片，为糖尿病患者提供眼睛和脚的检查。
4 ，禁止取消对重病人的医疗保险
保险企业将被禁止取消或降低对重病人的医疗保险。
5 ，禁止性别歧视
保险企业将被禁止由于性别而提高医疗保险费用
6 ，没有年度的或终生的医疗保险上限
保险公司将被禁止设定年度或终生的医疗保险上限
7 ，延长对青少年的医疗保险
子女将有资格一直到26岁享受由家庭提供的医疗保险
8 ，保证医疗保险的续保
保险企业将被要求延长任何保险计划，只要投保人支付保险费全额。保险公司将不
允许因为买保险者患病而拒绝续保。 

THE PRESIDENT’S HEALTH INSURANCE REFORM

GUARANTEES

 

1. NO DISCRIMINATION FOR PRE-EXISTING CONDITIONS

Insurance companies will be prohibited from refusing you coverage

because of your medical history.

2. NO EXORBITANT OUT-OF-POCKET EXPENSES,

DEDUCTIBLES OR CO-PAYS

Insurance companies will have to abide by yearly caps on

how much they can charge for out-of-pocket expenses.

3. NO COST-SHARING FOR PREVENTIVE CARE

Insurance companies must fully cover, without charge, regular checkups and tests that

help you prevent illness, such as mammograms or eye and foot exams for diabetics.

4. NO DROPPING OF COVERAGE FOR SERIOUSLY ILL

Insurance companies will be prohibited from dropping or watering

down insurance coverage for those who become seriously ill.

5. NO GENDER DISCRIMINATION

Insurance companies will be prohibited from charging you more because of your gender.

6. NO ANNUAL OR LIFETIME CAPS ON COVERAGE

Insurance companies will be prevented from placing annual or

lifetime caps on the coverage you receive.

7. EXTENDED COVERAGE FOR YOUNG ADULTS

Children would continue to be eligible for family coverage through the age of 26.

8. GUARANTEED INSURANCE RENEWAL

Insurance companies will be required to renew any policy as long as the

policyholder pays their premium in full. Insurance companies won't be

allowed to refuse renewal because someone became sick.