看绝望的主妇学英语：了解美国医保系统
Susan: Hi, 嗨
——>> I need an operation on my spleen, 我要做脾手术
——>> and I just found out that I ran out of medical insurance. 可我刚刚发现我的医疗保险额度用完了
——>> Is there anyone I can sue? 有什么我可以起诉的人吗?
——>> After the embezzlement, Lonny let the policy lapse 自从挪用公款的事曝光后，Lonny没有给我续保
——>> Now he’s in jail, and I’m gonna die 现在他坐牢了 我要死了
Karl: Susie, you are not gonna die 苏西, 你不会死的
——>> I’ll get into it with the insurance company 我会去找保险公司理论
Susan: No, there isn’t time for you to deal with the red tape 不, 现在没有时间去处理繁文缛节了
——>> My spleen is going craning into my heart 我的脾已经压迫到我的心脏
——>> I need that operation now 我得马上就动手术
Karl: I’d loan you the money myself 我本来可以自己借钱给你
——>> But Eddie and I just plopped down our savings since ski condo 可伊迪和我刚刚拿出我们的积蓄买了滑雪度假公寓。
Susan: I don’t need a loan 我不需要借钱
——>> I need coverage 我需要保险覆盖
——>> I mean what if there are complications 如果要是有并发症可怎么办
——>> I don’t have a safety net 我连一点保障也没有
——>> please… 求你了…
Edie: What in the hell are you doing? 你到底在干吗?
Susan: I’m saying a little prayer 我在祈祷
Edie: Uh, for puke sake 唔, 看在呕吐的份上
Susan: What? I’m desperate here, do you have any other ideas? 怎么, 我已经走投无路了 你还有其他办法吗?
Eddie: As a matter of fact, I do 其实 我有办法
——>> What you need is a husband 你需要的是个丈夫
Susan: What? 什么?
Eddie: The only way to get a good health plan 获得健康唯一办法
——>> is to marry into one 就是嫁人
Karl: Eddie, come on 伊迪，拜托
Susan: No, no, I think she’s onto something 别, 我觉得她说得有道理
Eddie: Yeah, if we find the guy with the right plan 如果我们找到了合适人选
——>> you could have a sham wedding on a Monday night, and be 你就可以周一来个假结婚
——>> fully covered Tuesday morning 周二就有医保了
Karl: I can’t believe you are actually considering this 不敢相信你还真的会考虑这个办法
Susan: The surgeon is slicing me open a week from tomorrow, 还有一周我就要开刀了
——>> what other choice do I have? 还能有什么办法?
Eddie: All we have to do is to find a guy who’s willing to marry you 只要找到一个愿意娶你的人就行
——>> You know, come to think of it, 仔细想想
——>> a little prayer might not be such a bad idea after all. 也许祈祷并不是个坏主意
Run out of medical insurance：This phrase means that the individual has depleted or exhausted their medical insurance coverage or benefits. It indicates that they no longer have insurance coverage to pay for their medical expenses or treatments. （保险额度用完）
“run out of medical insurance” 意味着个人已经用尽或耗尽了他们的医疗保险覆盖或福利。这意味着他们不再拥有医疗保险来支付他们的医疗费用或治疗费用。
Get into it with someone：it means to engage in a conflict, argument, or disagreement with someone. It implies a heated or confrontational interaction where both parties express their opinions or frustrations. （与某人争个道长理短，据理力争）
Red tape：it refers to excessive bureaucracy or administrative procedures that can cause delays, inefficiencies, or unnecessary complications. It often refers to rigid and complex rules and regulations that impede or slow down processes. （繁文缛节）
“Red tape” 指的是过多的官僚主义或行政程序，可能导致延误、低效或不必要的复杂化。它通常指的是僵化和复杂的规章制度，妨碍或减慢了各种流程的进行。
Crane [kreɪn]：to stretch your neck, head or other body parts in a particular direction in order to see or hear sth better. （伸长、探出）
Ski [skiː] condo [‘kɒndəʊ]：a condominium or apartment that is located near a ski resort or in a ski destination. It is a type of accommodation that is popular among skiers and snowboarders who visit these areas for winter sports activities. （滑雪度假公寓）
“Ski Condominium [ˌkɒndə’mɪnɪəm]”是指位于滑雪度假胜地附近或滑雪目的地的一种公寓住宅。它是滑雪者和滑雪爱好者在冬季前往这些地区进行滑雪活动时常见的住宿选择。
Someone’s onto something：it means to have discovered or become aware of something significant or important. It suggests that the person has made a notable observation, found a clue, or gained insight into a particular matter or situation. （发现了事情的关键点、苗头、症结所在，在本集的语境中，可以翻译为有点眉目、道理或像那么回事。它在近义表达：She’s got a point.）
“Be onto sth” 意味着发现或意识到某件重要的事物。它暗示着这个人做出了显著的观察、找到了线索，或对某个特定的事情或情况有了洞察力。
Sham [ʃæm]：A “sham” refers to something that is fake, false, or deceptive in nature. It can be used to describe a pretense, a counterfeit or imitation, or an act or situation that is meant to deceive or mislead others. （假的、伪造的、仿冒的，表达相同意思的前缀：pseudo-listening, faux-vulnerability.）
Please analysis the context provided above, and tell me the root cause why Susan doesn’t have medical insurance coverage and would have medical insurance coverage if she marries a guy with the right plan.
背景交待：In the conversation, Susan is desperate to find a solution for her urgent medical needs as she has run out of medical insurance coverage. Karl offers to help by loaning her the money, but Susan emphasizes that she doesn’t need a loan, but rather coverage. She expresses concerns about potential complications and the lack of a safety net. Desperate for a solution, Susan resorts to saying a prayer.
Eddie proposes the idea of finding a husband who has the right plan, allowing Susan to have a sham wedding and be fully covered for her medical needs. Despite initial hesitation, Susan considers the suggestion as a potential solution to her predicament.
While this idea may seem unconventional or even desperate, Susan and Eddie consider it as a potential solution to her situation. The notion is that by finding a suitable partner with the right plan, Susan could have a sham wedding and be fully covered for her medical needs, including the upcoming surgery.
欧文点评：The root cause of Susan not having medical insurance coverage is the policy lapse caused by the embezzlement committed by Susan’s Agent, Lonny, who is now in jail. As a result of the policy lapse, Susan finds herself without coverage and facing a life-threatening situation.
The policy lapse refers to the termination or expiration of Susan’s medical insurance coverage. A policy lapse occurs when the policyholder fails to make timely premium payments or when there are irregularities with the policy, such as non-compliance with certain terms and conditions.
In this case, Lonny’s embezzlement of Susan’s money likely had an impact on her ability to pay the insurance premiums, resulting in a policy lapse. Embezzlement involves the misappropriation or theft of funds entrusted to someone, in this case, Lonny, who was responsible for managing Susan’s insurance affairs.
Lonny’s fraudulent [‘frɔːdjələnt] actions, which could include siphoning off Susan’s funds meant for insurance premiums, led to the non-payment of premiums and subsequently the termination of her coverage. As a result, Susan finds herself without the necessary medical insurance to cover her impending surgery, adding to her already dire situation.
The policy lapse caused by Lonny’s embezzlement highlights the severity of the consequences when someone entrusted with managing insurance matters breaches that trust and misuses the funds for personal gain. It exposes the vulnerability of policyholders and emphasizes the importance of having reliable and trustworthy agents to safeguard their interests.
The second question：Why would Susan have medical insurance coverage if she marries a guy with the right plan?
Based on Eddie’s suggestion that the only way to obtain a good health plan is to marry a husband who has the Right Plan. This idea stems from the belief that by marrying into a health plan, Susan would gain the coverage she needs for her operation.
The assumption behind this suggestion is that by marrying someone with a comprehensive health plan, Susan would become eligible for the benefits and coverage provided by that plan. It is believed that the spouse of the policyholder would also be covered under the health plan, thereby extending coverage to Susan.
While this idea may seem unconventional or even desperate, Susan and Eddie consider it as a potential solution to her situation. The notion is that by finding a suitable partner with the right plan, Susan could have a sham wedding and be fully covered for her medical needs, including the upcoming surgery.
The conversation reflects the extent to which Susan is willing to explore unconventional ideas and solutions due to the urgency of her medical situation. The suggestion of marrying for coverage arises from the belief that it could provide her with the access to the health plan she requires.
参考翻译：Susan无法获得医疗保险覆盖的根本原因是由Susan的代理人Lonny挪用资金引起的保单失效，而Lonny现在已经入狱。由于保单失效，Susan发现自己没有保险覆盖，并面临着生命威胁的局面。
保单失效指的是Susan的医疗保险覆盖终止或到期。保单失效发生在保险持有人未能及时支付保费或保单存在违规情况，例如未遵守某些条款和条件。
在这种情况下，Lonny挪用Susan的资金很可能影响了她支付保险费的能力，导致保单失效。挪用是指将委托给某人的资金据为己有，而在这种情况下，Lonny负责管理Susan的保险事务。
Lonny的欺诈行为，包括挪用本应用于保险费的Susan的资金，导致保费未支付，进而终止了她的保险覆盖。因此，Susan发现自己没有必要的医疗保险来支付即将进行的手术，使她的处境变得更加严峻。
由Lonny的挪用引起的保单失效凸显了当被委托管理保险事务的人违反信任、为个人利益滥用资金时所带来的严重后果。它揭示了保单持有人的脆弱性，并强调了拥有可靠和值得信赖的代理人来保护其利益的重要性。
基于Eddie的假设是通过与一个拥有全面健康计划的人结婚，Susan将有资格获得该计划提供的福利和保险覆盖。据信，保单持有人的配偶也会在健康计划的保障范围内，从而将保险覆盖扩展到Susan身上。
尽管这个想法可能看起来不寻常甚至绝望，但Susan和Eddie认为这是解决她处境的一个潜在方案。这个想法是通过找到一个合适的伴侣，具备合适的计划，Susan可以进行一场假结婚，并完全得到她的医疗需求，包括即将进行的手术的保险覆盖。
这段对话反映了Susan因为医疗状况的紧急性而愿意探索非传统的想法和解决方案的程度。建议通过婚姻获得保险覆盖是基于这样的信念，即它可以为她提供所需的健康计划的权限。
参考信息：
在美国，不同的医疗保险公司和保险计划可能有不同的规定和政策，但一般情况下，美国在职员工医保计划通常只覆盖员工自己和其家属（如配偶和未成年子女），不包括其父母或其他家人。但一些雇主提供的福利可能允许员工将其父母或其他家人纳入医疗保险计划。此外，根据美国联邦政府制定的《美国医保法案》（ACA），如果雇主提供员工医保保险计划，计划必须允许未成年子女在26岁前继续被覆盖。因此，未成年子女在26周岁前可以在雇员医保计划中获得覆盖。总之，您可以向您的雇主或医疗保险提供商咨询您的特定计划的抚养家庭成员的政策。
大多数美国公立学校都为教师和教工提供医疗保险，这些计划通常覆盖紧密联系的家庭成员，如配偶和未成年子女。有些学校甚至可能提供附加的医疗保险或附加的医疗保险计划，供教师和教工选择。每个学区或学校的政策可能会有所不同，所以建议您向您的学校或学区的人力资源部门了解详细信息。
