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  3. The new US health-insurance rules are designed to help those caught in Medic

The new US health-insurance rules are designed to help those caught in Medic

游客2024-01-20  60
问题     The new US health-insurance rules are designed to help those caught in Medicare’s "doughnut hole", offer seniors more preventative (预防性的) care, and limit how much of their customers’ money health-insurance companies can keep for overhead and profit.
    The new rules include:
    * A provision that limits what health insurers can do with the money their customers send in as premiums(保险金).
    The rule requires that insurers spend at least 80 percent of this money on the customers themselves. The companies must either spend this money to pay insurance claims or use it for activities that improve customers’ health.
    For policies (保险单) that are sold to large groups instead of small companies and individuals, the number is even higher; 85 percent. The remaining 15 or 20 percent of the money can be used for a company’s salaries, marketing and overhead—or kept as profit.
    Previously, there was no federal restrictions on insurance companies’ spending. The federal government says some insurers kept 30 or even 50 percent. Insurance companies say this could cause them to cut back on the services they offer, or even pull out of states where administrative costs are higher. State officials also worry that the companies might cut the fees they pay to insurance brokers. That, they fear, would eliminate key middlemen who help individuals navigate a complicated insurance system.
    * A provision that provides prescription-drug discounts for seniors in Medicare’s "doughnut hole". The doughnut hole is a controversial gap in the Medicare prescription-drug benefit passed in 2003. In 2010, for instance, Medicare paid for part of the cost of drugs, until the total cost of the drugs hit $2,830.
    After that, seniors were responsible for 100 percent of the cost of their drugs, until they had spent $ 3,610 of their own money. That was the other side of the doughnut hole, and federal insurance kicked in again. This provision would give Medicare recipients stuck in the doughnut hole a 50 percent discount on the price of brand-name prescription drugs. Health-care activists are worried, however, that drugmakers will jack up their prices. In that case, customers would receive 50 percent off that higher number, which might not be much less than what they were paying before. [br] Insurers should spend 85% of the premiums on________.
选项 A、the individuals
B、large groups
C、small companies
D、medium companies
答案 B
解析 由题干中的Insurers和85％定位到第五段第一句。细节辨认题。由定位句可知，针对大型投保团体而非小型投保团体或个人的保险单，保险公司需要将85％的保险金用于投保人，故答案为B)。
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