首页
登录
职称英语
[originaltext]W: What you pay for health insurance is increasingly a complex we
[originaltext]W: What you pay for health insurance is increasingly a complex we
游客
2023-11-25
49
管理
问题
W: What you pay for health insurance is increasingly a complex web of formulas. And now, your personal data, everything from where you live to what clothing you buy may factor into what you pay or whether you get coverage at all. [1] Joining us now is Pro-Publica reporter Marshall Allen. He is here to tell us why insurance companies take in our personal information. Welcome!
M: Good evening.
W: First, tell us, what sorts of data are insurance companies looking at?
M: Well, that’s a good question. They’re looking at all different types of personal and proprietary and public information.
W: But these kinds of things are what people would normally assume to be private.
M: Exactly. And I bet probably most of the viewers in your audience right now are having their data gathered by the data brokers that are teaming up with the health insurance companies to analyze this.
W: But why would insurance companies collect our personal data at all? After all, they are not advertisers. And what would be included in the data that they’re gathering?
M: [2] Well, that would include your education record, your property records, any debts you might have, your income level, your race and ethnicity. Even social media interactions. They’re gathering all this information, and then they make predictions about how much we might cost based on all these economic and lifestyle attributes.
W: So that is related to their insurance business, isn’t it?
M: Yes, it is. [3] We now have a term for that "Precision Marketing" , which emphasizes relevance as part of the technique. To achieve relevance, Precision Marketing marketers solicit personal preferences directly from recipients. They also collect and analyze behavioral and transactional data. In this case, insurance companies collect personal data for future business.
W: But could you give us some examples?
M: Well, for example, if you’re a low-income minority, they would assume that you are living in a dangerous and obsolete neighborhood, and so you could be at higher risk of health cost.
W: I get it. So if I have bought plus-size clothing, they would predict that I might be more likely to be depressed, which could also lead to higher health care costs. Am I right?
M: Exactly. These are things that they’re looking at, trends in the data for groups of people, and then they’re attributing the inferences to individuals within that group. But one of the fundamental problems is that for any individual, this could just be wrong.
W: Yes. [4] So they’re scoring us and predicting our health care costs based on the groups that we fall into instead of taking us personally.
M: And when I talked to the industry, I mean they promise that they’re only using this information for the purpose of helping people. So that what they would say, the argument for doing this is that they can do better case management. But, just as it could be used for good, it could also be used to discriminate. [5] And, the health insurance industry has a long history of discriminating against sick people. That still goes on to this day.
W: I agree. Thanks for joining us today.
1. What is this interview mainly about?
2. According to the interviewee, what data do insurance companies collect?
3. What does Precision Marketing emphasize?
4. Why do insurance companies take in people’s personal information?
5. What can we learn about insurance industry?
选项
A、To conduct studies.
B、To find potential customers.
C、To predict people’s health care costs.
D、To provide better service for customers.
答案
C
解析
转载请注明原文地址:https://tihaiku.com/zcyy/3219287.html
相关试题推荐
[originaltext]W:ProfessorWang,let’slookatadifferentissue.Howdoyouco
[originaltext]W:Goodevening,I’mNancyJohnson.Theguestonourradiotalkt
[originaltext]W:Goodevening,I’mNancyJohnson.Theguestonourradiotalkt
[originaltext]W:Goodevening,I’mNancyJohnson.Theguestonourradiotalkt
[originaltext]W:Goodevening,I’mNancyJohnson.Theguestonourradiotalkt
[originaltext]M:Goodmorning,Mrs.Collins!Welcometoourstudio.Asadistin
[originaltext]M:Goodmorning,Mrs.Collins!Welcometoourstudio.Asadistin
[originaltext]M:Goodmorning,Mrs.Collins!Welcometoourstudio.Asadistin
[originaltext]M:Goodmorning,Mrs.Collins!Welcometoourstudio.Asadistin
[originaltext]M:Goodmorning,Mrs.Collins!Welcometoourstudio.Asadistin
随机试题
Excessivesugarhasastrongmal-effectonthefunctioningofactiveorgans
AnnieJumpCannon,______discoveredsomanystarsthatshewascalled"thecensus
Lastyear,35percentoffinalyearstudentsexpectedtoenterthegraduate
Themostnoticeabletrendamongtoday’smediacompaniesisverticalintegrat
下列关于投标报价的编制方法与内容的说法中,错误的是( )。A.措施项目的内容应
下图中人物受到后人敬仰的主要原因是()。 A.远嫁呼韩邪单于.促成汉匈友好
(2021年真题)关于造价师执业的说法,正确的是(()。A.造价师可同时在
下列不属于压力容器安全附件及仪表的是()。A.膨胀节 B.爆破片 C.压力
不属于泄漏试验检查重点的选项是( )。A.阀门填料函 B.施焊焊缝处 C.
进入高疟区预防用药应该选用( )。A.华法林 B.泼尼松 C.利福平 D
最新回复
(
0
)