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学生の健康保険制度
長い間歯科医に行かなかった雅子さんは、先日、ようやく大学近くの日本人歯科医を訪れました。診察の結果、多額の治療費を必要とする、大がかりな治療が必要だと言われてしまいました。この治療には、健康保険がききませんし、大学が提供する歯科医学生による治療のサービスも信用できそうにありません。
Student Health Care
By MASAKO YAMADA
After many years of neglecting to care for my teeth, I finally decided to
see a dentist. My last dentist was the one I had as a child in New Jersey, so
I had to start by asking around for recommendations.
I ended up consulting the local Japanese magazine that I work for and got
the name of a Japanese dentist who works only 10 minutes away from the Boston
University campus. Since most dentists do not work on weekends, close access to my workplace was important. I also liked the idea of his being a
professor.
I liked the dentist a lot, but his prognosis after my first visit was not
very good. Not only were there many little cavities that needed to be filled,
I also needed to have some major repairs done on previous dental work. Most
notably, I would need to have root canal surgery. That would mean that I
would need to have my tooth capped. This would cost thousands of dollars.
After this consultation, I decided to look at my dental insurance options. I stepped into the dentist's fully expecting to pay for everything
myself, but I wasn't so sure that was a good idea after the appointment.
Unfortunately, the den
tal options that are available to people who don't have corporate dental plans are often quite limited. Not surprisingly, major pre-existing conditions, like my infected root canal, are not warmly embraced by
insurance companies.
BU requires that all full-time students have medical insurance and it offers a
relatively inexpensive plan to its students. It's not the most generous of
medical plans, but it covers regular checkups and consultations for
specific ailments such as strange coughs, rashes and eye infections.
It partially covers visits to specialists such as physical therapists or
dermatologists and subsidizes some prescriptions.
Although students are free to choose whatever health insurance plan they
like, most students take advantage of this plan because it's convenient.
The university does not offer a similar dental insurance plan. The closest
thing it has is a "membership card" that enables students to utilize the
services of the BU Dental School at a reduced cost.
For instance, regular checkups, cleanings, X-rays and minor work like
filling cavities might cost only $200 (¥21,000) a year. Specialized services
such as root canal work cost less than half of the standard fee. However, the
catch is that the work is done by dental students. They use their patients
to hone their skills.
I've heard numerous complaints about very slow (or, worse, incompetent)
work and long hours spent getting to the dental school or sitting in the
waiting room. This was not very appealing.
Some hard-working members of the Boston University Graduate Student
Organization have compiled a list of health and dental options that are
available to us, so I skimmed through the list.
Although I was impressed by their thorough research, I found that many of
the plans didn't fit my needs very well. Some students get subsidized health
and medical care that is meant for people with financial hardships —
students are technically considered low-income citizens. But I knew that
my freelance earnings would put me out of this category. Besides, I couldn't
help thinking that it's a little bit unethical for (physically and mentally
capable) students who have actively chosen to live in a state of semipoverty to take public resources that are meant for the truly needy.
In the end, I decided to cut my losses and pay cash for the services of
the dentist I had originally chosen, and whom I liked. I was prepared to
tighten my budget to cover the fee. However, when I went for my second
visit, I was told that I would not be needing the root canal surgery.
Several dental professors had discussed my case and had agreed to leave the
tooth alone until it started bothering me. I was startled by their
honesty. Many dentists would try to push fancy treatments on patients at the
slightest hint of trouble. And I was relieved that I wouldn't have to
suspend my current lifestyle. I felt so good about "saving" thousands of
dollars that I left the office and treated myself to a nice lunch.
After many years of neglecting to care for my teeth, I finally decided to
see a dentist. My last dentist was the one I had as a child in New Jersey, so
I had to start by asking around for recommendations.
I ended up consulting the local Japanese magazine that I work for and got
the name of a Japanese dentist who works only 10 minutes away from the Boston
University campus. Since most dentists do not work on weekends, close access to my workplace was important. I also liked the idea of his being a
professor.
I liked the dentist a lot, but his prognosis after my first visit was not
very good. Not only were there many little cavities that needed to be filled,
I also needed to have some major repairs done on previous dental work. Most
notably, I would need to have root canal surgery. That would mean that I
would need to have my tooth capped. This would cost thousands of dollars.
After this consultation, I decided to look at my dental insurance options. I stepped into the dentist's fully expecting to pay for everything
myself, but I wasn't so sure that was a good idea after the appointment.
Unfortunately, the den
tal options that are available to people who don't have corporate dental plans are often quite limited. Not surprisingly, major pre-existing conditions, like my infected root canal, are not warmly embraced by
insurance companies.
BU requires that all full-time students have medical insurance and it offers a
relatively inexpensive plan to its students. It's not the most generous of
medical plans, but it covers regular checkups and consultations for
specific ailments such as strange coughs, rashes and eye infections.
It partially covers visits to specialists such as physical therapists or
dermatologists and subsidizes some prescriptions.
Although students are free to choose whatever health insurance plan they
like, most students take advantage of this plan because it's convenient.
The university does not offer a similar dental insurance plan. The closest
thing it has is a "membership card" that enables students to utilize the
services of the BU Dental School at a reduced cost.
For instance, regular checkups, cleanings, X-rays and minor work like
filling cavities might cost only $200 (¥21,000) a year. Specialized services
such as root canal work cost less than half of the standard fee. However, the
catch is that the work is done by dental students. They use their patients
to hone their skills.
I've heard numerous complaints about very slow (or, worse, incompetent)
work and long hours spent getting to the dental school or sitting in the
waiting room. This was not very appealing.
Some hard-working members of the Boston University Graduate Student
Organization have compiled a list of health and dental options that are
available to us, so I skimmed through the list.
Although I was impressed by their thorough research, I found that many of
the plans didn't fit my needs very well. Some students get subsidized health
and medical care that is meant for people with financial hardships —
students are technically considered low-income citizens. But I knew that
my freelance earnings would put me out of this category. Besides, I couldn't
help thinking that it's a little bit unethical for (physically and mentally
capable) students who have actively chosen to live in a state of semipoverty to take public resources that are meant for the truly needy.
In the end, I decided to cut my losses and pay cash for the services of
the dentist I had originally chosen, and whom I liked. I was prepared to
tighten my budget to cover the fee. However, when I went for my second
visit, I was told that I would not be needing the root canal surgery.
Several dental professors had discussed my case and had agreed to leave the
tooth alone until it started bothering me. I was startled by their
honesty. Many dentists would try to push fancy treatments on patients at the
slightest hint of trouble. And I was relieved that I wouldn't have to
suspend my current lifestyle. I felt so good about "saving" thousands of
dollars that I left the office and treated myself to a nice lunch.
Shukan ST: Nov. 19, 1999
(C) All rights reserved
- neglecting
- 怠る
- recommendations
- 推薦
- consulting
- 調べる
- close access to 〜
- 〜 に近いこと
- prognosis
- 治療の見通し
- cavities that need to be filled
- 詰め物が必要な虫歯の穴
- previous dental work
- 昔の歯の治療
- root canal surgery
- 根管治療
- have my tooth capped
- 歯に冠をかぶせる
- consultation
- 治療前の相談
- insurance options
- 保険の種類
- appointment
- 歯医者との面談
- corporate dental plans
- 法人向けの歯科保険制度
- major pre-exisiting conditions
- 前から持っている病気
- are not warmly embraced by 〜
- 〜 にあまり歓迎されていない
- (is)not the most generous of medical plans
- 多額の保険金がたやすく下りる医療保険ではない
- checkups
- 健康診断
- ailments
- 病気
- coughs
- せき
- rashes
- 発疹
- infections
- 感染
- physical therapists
- 運動療法などを行なうセラピスト
- dermatologists
- 皮膚科医
- subsidizes
- 補助する
- prescriptions
- 処方せん
- take advantage of 〜
- 〜 を利用する
- utilize
- 利用する
- reduced cost
- 割引料金。
- X-rays
- レントゲン
- catch
- 落とし穴
- hone their skills
- 彼らの技術を磨く
- numerous
- 数々の
- complaints
- 苦情
- incompetent
- 無能な
- have compiled
- まとめた
- skimmed through 〜
- 〜 にざっと目を通した
- thorough
- 詳細な
- financial hardships
- 経済的な苦労
- technically
- 厳密に言えば
- low-income citizens
- 低所得者
- unethical
- 非倫理的な
- have actively chosen to live in a state of semipoverty to take public resources that are meant for the truly needy
- 自分から半貧乏生活を選んでおきながら、本当に困っている人のための公共の財源を使う
- cut my losses
- 出費を減らす
- tighten my budget
- 生活費を切り詰める
- cover the fee
- 費用を払う
- bothering 〜
- 〜 の気にかかる
- was startled by 〜
- 〜 に驚かされる
- push fancy treatments on patients at the slightest hint of trouble
- 少しでも問題がありそうならば、患者に金のかかる治療を勧める
- was relieved
- ほっとした
- suspend
- やめる
- treated 〜 to 〜
- 〜 に 〜 をふんぱつした