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标题: 几道曼哈顿的模考题崩溃了实在想不通... [打印本页]

作者: 今天也要加油鸭 时间: 2018-12-4 20:58
标题: 几道曼哈顿的模考题崩溃了实在想不通...
1.Experts estimate that insurance companies' tardiness in paying doctors for legitimate medical claims adds approximately 10 percent in overhead costs for physicians. Insurance companies counter that the tardiness sometimes results from billing errors made by the doctors themselves. Since dealing with these billing errors costs the insurance companies time and money, it is clear that insurance companies do not have a significant economic incentive to delay claim payments to doctors.

Which of the following pieces of information, if true, weakens the conclusion above?
Some doctors who submit accurate bills to insurance companies still receive tardy payments.

The cost to the insurance companies to process incorrect bills from doctors' offices is roughly equivalent to the increased costs that physicians accrue as a result of tardy payments from insurance companies.

A rising proportion of medical claims submitted by doctors to insurance companies are deemed illegitimate by those insurance companies.

The billing errors made by doctors' offices are typically very minor, such as the submission of a claim with an outdated patient home address.

The overhead costs incurred by doctors as a result of delayed insurance payments result in an increase in the premiums paid by consumers to health insurance companies that far exceeds any increase in the fees paid to doctors by insurance companies

答案D我没有问题我是有点没理解题干的逻辑其实...专家说保险公司会延迟支付费用导致医生的cost增加，然后保险公司反驳，一些延迟是医生自己造成的，并且这些失误会增加保险公司成本所以他们没必要拖延？
这个逻辑完全理不顺啊...

2.For-profit colleges serve far fewer students than either public or private non-profit colleges. At the same time, relative to non-profit colleges, for-profit colleges draw a disproportionate share of federal and state financial aid, such as tuition grants and guaranteed loans, for their students. It must be, then, that for-profit colleges enroll a greater proportion of financially disadvantaged students than do non-profit colleges.

In assessing the argument above, it would be most useful to compare

the proportion of financially disadvantaged students served by public and private non-profit colleges

the extent to which for-profit and non-profit colleges engage in fraudulent practices in helping their students obtain unneeded federal and state financial aid

the number of students receiving federal and state financial aid at for-profit colleges and non-profit colleges

the quality of education received by financially disadvantaged students at for-profit colleges and non-profit colleges

the rates of default on loan repayments among graduates of for-profit and non-profit colleges

答案B 我做题时排除了一遍又一遍就是选不出来。我实在想不通，经济状况不好的学生和非必需的救助之间怎么会有关系啊... 要不然就是我对financially disadvantaged和unneeded federal and state financial aid理解有错吗？

3.In a certain country, insurance companies pay only a fixed percentage – set by law and uniform across all insurance companies – of the fees actually billed by healthcare providers; the remaining balance is waived. Patients without insurance coverage, however, are legally responsible for the full amount of those fees. If the fixed percentage set for insurance companies is changed, healthcare providers will adjust their fees so that the insurance companies pay the same dollar amount that they would have paid before the change.

The information given most strongly supports which of the following general claims about the country described?

If the percentage prescribed by law for insurance companies is decreased, private patients without insurance coverage will pay more for healthcare services.

The dollar amount paid by insurance companies to healthcare providers will not change unless the legally specified percentage is changed.

If the number of patients without insurance coverage grows beyond the number of patients covered by insurance, healthcare providers will adjust their billing
practices according to the needs of those patients.

If an economic recession causes the healthcare industry to suffer, the legally prescribed percentage paid by insurance companies will be increased.

Acquiring insurance coverage, if possible, would be a sound economic decision for any patient.

答案选A 我实在没理解这里healthy service和保险公司的关系，是对于投保人来说他们两方共同承担了相应的医疗费用吗？我读题的时候对于他俩关系的理解是保险公司给provider钱啊...选A答案的解析感觉意思是因为adjust的缘故provider会提高bill,然后没投保的人就会交更多钱。

4.Improved technology and equipment often result in fewer injuries during high-risk activities such as rock climbing and scuba diving. But participant education also plays a large role in reducing the number of injuries sustained during these activities. People who are poorly trained in these activities run a much higher risk of injury even if provided with the latest and best equipment.

Which of the following can be properly inferred from the information above?

Training is a more important safety factor than equipment in high-risk activities

People who are properly trained in their activities do not sustain injuries.

The safety benefits of the latest equipment can be offset by inadequate preparation.

Rock climbing and scuba diving are more risky than any other activities

People with the latest equipment often neglect proper training.

答案C没问题，但我想知道怎么排除A的。解析说是没有more这个关系，但是感觉题目 People who are poorly trained in these activities run a much higher risk of injury even if provided with the latest and best equipment. 这句话感觉就说了培训是前提啊。难道是说前提不一定是更重要的？...

作者: 梦里的富翁 时间: 2018-12-5 16:36
第一题我也没怎么搞懂，说一下234吧
2、不必要的救助其实是为为什么For-profit university学生少但是却有更多政府救济提出了一个他因。如果For-profit的学习存在这样的情况，就说明并不是需要救济的学生比较多。
3、healthy service和保险公司的关系是，healthy service收取保险公司的钱，但是别忽略了一点，题目中说到没有买保险的人是要付全款的。因此没有买保险的人付的钱=市场价格（full amount of those fees）
如果Fix rate 下降了，而healthy service却还是要收取和没有下降之前一样的钱，那么只能说Healthy service将市场价格提高了。在这里也就是没有买保险的人。
4、people who are poorly trained in these activities run a much higher risk of injury even if provided with the latest and best equipment 这里实际上是将两个极端在比较，“poorly trained”和“latest and best equipment”。
拿两个方面的一个最弱和一个最强相比，当然不能得出一个客观的结论啦。
因此A由此得出的结论是错误的。

作者: 梦里的富翁 时间: 2018-12-5 17:04
想了一会好像又想通了第一题的逻辑哈哈哈哈哈
expert指出，保险公司delay医生的payment增加了医生的overhead cost。
但是保险公司反驳：delay并不是我们的锅，都是因为你们医生自己经常有billing errors，然后处理通过delay所带来的billing errors 要花费保险公司金钱和精力
因此保险公司没有经济方面的理由delay.

这题有点扯，相当于保险公司吧所有的错都归咎在了医生自己身上：是因为你们的billing errors，然后我们要花时间和精力去帮你们处理，从而导致了delay。

因此这个题目恶心就恶心在不该将since 后面的和前面说医生billing errors分裂开，应该是：
tardiness sometimes results from billing errors made by the doctors themselves and dealing with these billing errors costs the insurance companies time and money. Therefore, it is clear that insurance companies do not have a significant economic incentive to delay claim payments to doctors.

保险公司都愿意花钱帮你擦屁股了，还介意delay你的payment吗

作者: spicytaco 时间: 2018-12-6 02:36
第一题是E吧
结论说：因为billing errors 对保险公司来说又耗时又耗钱，所以保险公司没有明显的动机去delay claim payments

问削弱

E说 delay 可以使premium 增加，远超其他费用
简单说就是保险公司明显获利，这不就是动机么

作者: 今天也要加油鸭 时间: 2018-12-6 08:40

spicytaco 发表于 2018-12-6 02:36
第一题是E吧
结论说：因为billing errors 对保险公司来说又耗时又耗钱，所以保险公司没有明显的动机去delay ...

不好意思我写错答案了是E

作者: 今天也要加油鸭 时间: 2018-12-6 08:43

梦里的富翁发表于 2018-12-5 17:04
想了一会好像又想通了第一题的逻辑哈哈哈哈哈
expert指出，保险公司delay医生的payment增加了医生的overhea ...

哈哈这样解释好像顺了因为我好像只考虑了cost多少所以老是理不顺这个逻辑。但其实这道题感觉只要抓住保险公司后面反驳的conclusion就可以做了。不过要看出这是两方在吵架

作者: 今天也要加油鸭 时间: 2018-12-6 08:47

梦里的富翁发表于 2018-12-5 16:36
第一题我也没怎么搞懂，说一下234吧
2、不必要的救助其实是为为什么For-profit university学生少但是却有更 ...

soga.不过还想问一下，第二题题目说的是盈利学校的政府救济不成比例，而最后我们判断出是远超过按人数计算的，是因为后面的话推理出来而不是 disproportionate 这个词吧。因为这个词是双向的吧？我意思是可能是远超过但也可能是远低于？

另外就是第四题， People who are poorly trained in these activities run a much higher risk of injury even if provided with the latest and best equipment. 这句话就理解成特例而不是premise了？这种要怎么区分啊？因为我个人感觉这个很像premise所以就觉得自然training一定是前提。然后我说服自己的理由就是前提不一定最重要，这两个概念不能替换...

作者: 梦里的富翁 时间: 2018-12-6 10:34

今天也要加油鸭发表于 2018-12-6 08:47
soga.不过还想问一下，第二题题目说的是盈利学校的政府救济不成比例，而最后我们判断出是远超过按人数计 ...

disproportion其实是根据它前面一句推出来的，因为前面说的是for-profit university相比于non-profit university 有更少的学生，那么后面说的disporportion当然就是它的钱反而多它学生少凭什么钱还多！
不过你说的也对，确实需要联合上下文

然后第四题 People who are poorly trained in these activities run a much higher risk of injury even if provided with the latest and best equipment 注意这里有一个比较级 much higher 其实是省略了 than people who are not poorly trained 因此equipment 是一个不变量
比如：运动好的人穿最好的运动鞋比运动不好的人穿最好的运动鞋更能取得好的成绩
你不能得出运动能力比运动鞋重要
你只能说运动能力不好会抵消运动鞋带来的好处
我觉得说最后一句话是为了支持它前面的premise-拥有最新的科技也需要有适当的训练，两者同时发挥作用

我觉得这样想才是合理的，昨天第四题说的可能有点误导你了哈哈哈哈sorry！

作者: 今天也要加油鸭 时间: 2018-12-6 10:40

梦里的富翁发表于 2018-12-6 10:34
disproportion其实是根据它前面一句推出来的，因为前面说的是for-profit university相比于non-profit univ ...

哦哦明白啦谢谢！

作者: 断了的弦 时间: 2018-12-6 21:07
第一题能解释一下a吗

作者: 今天也要加油鸭 时间: 2018-12-6 22:20

断了的弦发表于 2018-12-6 21:07
第一题能解释一下a吗

我感觉A和题干的逻辑链没关系欸，我是用主语不一致排除的。题干说保险公司delay但他们怪在医生这里，这里的讨论感觉不涉及准确提交的医生吧，因为这些医生也不是保险公司前面反驳的对象？

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