美国文化：美国人生娃成本有多高？

 　The average doctor charges for a vaginal delivery with nocomplications in the U.S. is $3,035, according to data from FAIRHealth, a health care nonprofit that keeps a national database ofinsurance claims. That includes the cost of routine care beforeand after the birth (but not tests like ultra sounds or amnio). Ifyou want an epidural (which, let’s be real, many women do),that’s another $2,132 on average. Prices vary considerablydepending on where you live. The average cost of a C-Sectionnationwide is $3,382, plus $1,646 for an epidural, FAIR Health found.

　　非盈利的医疗卫生机构FAIR Health拥有全美国保险理赔的数据库。他们的数据显示，在美国，孕妇顺产分娩且无并发症的情况下，平均要向医生缴纳3,035美元。其中包含了产前和产后的日常护理费用(但不包含超声检查和羊水诊断等)。如果你想在分娩时接受硬脊膜外麻醉(老实说，许多女性都会选择这种麻醉)，平均还要多掏2,132美元。根据居住地的不同，这些费用也有很大差别。FAIR Health还发现，在全美国范围内，剖腹产的平均费用为3,382美元，接受硬脊膜外麻醉还将产生平均1,646美元的额外费用。
　　But that’s just for your doctors—not the hospital. In a separate study published in the journalHealth Affairs last year, researchers found that the cost of a hospital stay to give birth ranged from$1,189 to $11,986, and that was for what were considered low-risk deliveries.
　　不过这只是给医生的费用，不是给医院的。在去年Health Affairs发表的另一篇研究报告中，科研人员发现，生育还将产生1,189美元至11,986美元不等的住院费，这还是在分娩风险较低的情况下。
　　To be clear, your actual out-of-pocket costs will vary considerably 1 depending on your healthinsurance policy.
　　这里需要明确指出，根据医疗保险的不同，你需要支付的实际费用会有很大差异。
　　Most people with insurance first have to fulfill 2 a deductible—that is, pay a certain amount out ofpocket before insurance covers the bill. On average, employees in traditional PPO family plansneed to pay $2,012 as a family or $944 per person to meet their deductible, according to theKaiser Family Foundation.
　　大部分人在自费医疗达到一定数额后，才能开始享受保险——也就是在保险公司付账之前先自掏腰包。根据Kaiser Family Foundation(KFF)的数据，参加优选医疗机构(PPO)计划的家庭平均需要支付2,012美元，或每个家庭成员支付944美元，才能达到保险的条件。
　　After that, your insurer may still require you to chip in. You may owe co-pays or a percentage ofthe bill, called co-insurance. The average hospital co-pay is $308 per admission, and $281 per day.The average co-insurance rate is 19% of the bill, KFF found.
　　在此之后，保险公司可能还会让你掏钱。你可能需要支付一定比例的医疗费，即所谓的共同保险。KFF发现，每次住院的平均自付金额为308美元，或每天281美元，平均自付率为19%。
　　Charges can add up, particularly if you have complications. Fortunately, the Affordable 3 Care Actputs a cap on what you’ll pay for in-network services. The legal out-of-pocket maximum is$13,700for family plans — though your insurer may set an even lower cap.
　　如果你出现了并发症，费用还会更高。幸运的是，《平价医疗法案》(Affordable Care Act)规定了你在享受医保网络内服务时需要支付的费用上限。法律规定，参加医疗计划的家庭，每年支付的医疗费用最多不超过13,700美元，而你的保险公司设定的上限可能还会更低。
　　Your medical claims can also vary depending on where you live. FAIR Health found the averagecost of vaginal delivery ranged from $1,614 in Mobile, Ala. to $9,279 in the Bronx, N.Y. You canfind typical prices in your area with FAIR Health’s Consumer Cost Lookup tool.
　　居住地不同，医疗理赔的费用也会不同。FAIR Health发现，顺产的平均费用从阿拉巴马州莫比尔(Mobile)的1,614美元到纽约市布朗克斯(Bronx)的9,279美元不等。根据FAIR Health的消费者成本查找工具，你可以看到对应地区的通常价格。
　　If you’re insured, the best way to estimate what you’ll owe is to check if your health plan has aprice transparency tool (77% of large employers now offer them, according to Mercer). Thatshould tell you what you can expect to pay with specific providers in your network.
　　如果你已经投保，估计你要掏多少钱的最好办法就是看看你的健康计划是否有价格透明度工具【美世咨询(Mercer)表示，现在有77%的大型雇主都提供这种工具】。它能告诉你，在医保网络中的某家机构生育大概要花多少钱。
　　If you’re not insured, you’ll have to wait until the next Obamacare open enrollment 4 period to buyhealth coverage 5, or until you have your baby — whichever comes first. Having a child qualifies youfor a special open enrollment period, but just being pregnant does not.
　　如果你尚未投保，就得等到奥巴马医改规定的下一次保险购买开放期(open enrollmentperiod)，或是等到你有孩子为止——无论哪项都可以。拥有小孩能让你享有购买保险的特别开放期，不过只是怀孕的话可不行。