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American Health Plan
美國醫療計劃
There is no national health plan for Americans.
美國沒有全國性的的醫療計劃，
But there are many programs available for this purpose.
但是有多種醫保方案。
Many people have health plans at the companies where they work.
很多公司為員工設立了醫療計劃，
Under these plans, the company pays a fixed sum of money regularly into a fund.
公司定期把固定額度的錢存到基金里。
Then when the employee needs medical help,he can use money from the fund to pay for it.
當員工需要就醫時，他們就可以用基金里的錢支付，
Other people have health insurance.
有些人有醫療保險。
They pay insurance premiums each month to insurance companies which then pay for medical expenses when they are needed.
他們按月交保費給保險公司，并由保險公司負責醫藥費。
In some medical plans, the insurance company is also the medical institution.
在某些醫療計劃里，保險公司也是醫療機構。
People regularly pay the hospital directly.
人們定期直接交錢給醫院，
Then when they need medical treatment, they go to the hospital without paying more money.
然后當他們需要看病時，就去這些醫療機構接受治療，而不用另外付費。
The government has health insurance programs for older people,poor people and those with long-term illness.
政府有針對老人，窮人和長期患病者的醫保方案。
These programs make medical care available to those without their own health insurance.
這些保險計劃可以讓那些沒有健康保險的人士也能享有保障。
