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Health Insurance (保险) Most Americans are responsible for their own medical costs. These can be extremely high if a person gets very {{U}}(51) {{/U}}or has an accident. So people buy a health insurance plan to make sure these costs will be {{U}}(52) {{/U}}. Most American colleges and universities have {{U}}(53) {{/U}}health centers. There may even be a teaching hospital that can treat more serious {{U}}(54) {{/U}}. Some medical services may be included in the cost of attending a school. But health insurance is usually needed for extra services. {{U}}(55) {{/U}}most full-time college students must have insurance. Students may already be protected under their family's health plan. If not, many colleges offer {{U}}(56) {{/U}} own plans. The University of Michigan will be our example. Students pay a health service fee. Then there is no extra charge when they are treated for minor {{U}}(57) {{/U}}problems at the University Health Center. But the school wants students to have health insurance to pay {{U}}(58) {{/U}} other services. The insurance plan {{U}}(59) {{/U}} by the university costs about one thousand seven hundred dollars a year. Such health insurance {{U}}(60) {{/U}} generally pay for hospital services, emergency room care and visits to doctors. They {{U}}(61) {{/U}} do not pay for care of the teeth. And they usually do not pay for treatment of medical conditions that existed {{U}}(62) {{/U}} the student arrived at school. International students at the University of Michigan have two {{U}}(63) {{/U}}. They can buy the university health plan. Or they can {{U}}(64) {{/U}}private insurance that is approved by the university. The school also offers a special International Student Insurance Plan. This pays for most of the services offered {{U}}(65) {{/U}} the University Health Center that are not included in the health service fee. |