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Medicare, the United States governments health insurance

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Re: Medicare, the United States government's health insurance [#permalink]

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New post 09 May 2017, 22:18
yt770 wrote:
Hi Experts, I have 2 questions:

1) Comma Usage before BUT: Here the usage - Medicare covers the full cost of X, but not of Y. I always see whenever there is COMMA + BUT, then there should be independent clause after BUT. But in this case, COMMA + BUT is used to connect two prepositional phrases. Why is the rule COMMA + FANBOYS should always be followed by IC valid here?

2) ING modifier: I understand in choice B that ING is modifying the previous clause. But the last portion of the previous clause also states - "But not of other nonhospital services" and that's why I marked B thinking that it is the previous clause. Can you explain a bit on why ING is wrong here?

Thanks a lot for your help! I really appreciate it.


Hi yt770

Please find below my comments:

1. When you join two independent clauses that tend to present contrasting pieces of information, you use "comma +but". However, it does NOT mean that this is the only use of "comma + but". But is a connector/conjunction that has many uses. For instance, take a look at the following sentence:

The play is good, but not that good.

The above sentence is a shortened version of a sentence taken from http://dictionary.cambridge.org/dictionary/english/but. Of course it is not a GMAT like sentence, but the focus is on the use of "but" here. Essentially, the author has made a statement (The play is good) and then qualified it by using the "but" portion (but not that good). Such constructions are absolutely logical and grammatical. Nothing wrong with them.

2. As regards choice B in the Official Question, please check it from a meaning standpoint. So, let's take a look at the whole sentence this choice forms and compare it with the meaning given by the original choice:

A. Medicare, the United States government's health insurance program for the elderly and disabled, covers the full cost of
home health care, but not with other nonhospital services where 20 percent of the costs must be paid by beneficiaries.

As you can see, it is quite clear that from this section "where 20 percent of the costs must be paid by beneficiaries" in the underlined portion, the author intends to give us more information about the other non-hospital services. The author wants to convey that for these services the beneficiaries must pay 20% of the costs. So, if the costs for these other non-hospital services to a beneficiary is $100, then the beneficiary must pay $20 from his/her own pocket. (I have assumed that there is no ambiguity in your understanding of the meaning of the non-underlined section; however, please do let me know if you need more clarity on the same). However, does this connection come out clearly in choice B? Not at all. Why is that the case? Let's take a look at choice B now:

B. Medicare, the United States government's health insurance program for the elderly and disabled, covers the full cost of
home health care, but not of other nonhospital services, making beneficiaries pay 20 percent of the costs.

Now, as you have written in your reply, you considered the "but not of other nonhospital services" a part of the previous clause. Fair enough. Let's go with that understanding and see how "making beneficiaries pay 20 percent of the costs" adds to the meaning.

Essentially, we end up with the following structure:

Some insurance program covers the full cost of one type of services in a group, but not of the other services in the group, making beneficiaries pay 20 percent of the costs.

So, if we take "making beneficiaries pay 20 percent of the costs" to modify the previous clause, we end up saying that because the program covers full cost of X, but not of Y, beneficiaries pay 20% of the costs. My question to you is, which costs are being talked about at the end? Is it clear that we are talking only about the "other non-hospital services"?

You can also think of it this way, is it because the full-cost of home-services is covered (but not of other services) that the beneficiaries pay an amount? Does the action denoted by "cover" account for part, if not full, of the reason that the beneficiaries need to pay the 20%? This does not make much logical sense, right?

It is for the above reasons that Choice B fails to give a clear, logical meaning.

Hope the above analysis helps!

Cheers! :)

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Re: Medicare, the United States government's health insurance [#permalink]

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New post 09 May 2017, 23:46
eybrj2 wrote:
Medicare, the United States government's health insurance program for the elderly and disabled, covers the full cost of
home health care, but not with other nonhospital services where 20 percent of the costs must be paid by beneficiaries.

A. but not with other nonhospital services where 20 percent of the costs must be paid by beneficiaries.
B. but not of other nonhospital services, making beneficiaries pay 20 percent of the costs.
C. but not of other nonhospital services, for which beneficiaries must pay 20 percent of the costs.
D. which is unlike other nonhospital services in that 20 percent of the costs must be paid by beneficiaries.
E. which is unlike other nonhospital services that make beneficiaries pay 20 percent of the costs.


Answer Choice C)

Pronoun which correctly refers to Non hospital services.

The meaning is clear.

Medicare does not fully cover non hospital services and beneficiaries must pay 20% of the cost.


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Medicare, the United States government's health insurance [#permalink]

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New post 10 May 2017, 04:48
yt770 wrote:
Hi Experts, I have 2 questions:

1) Comma Usage before BUT: Here the usage - Medicare covers the full cost of X, but not of Y. I always see whenever there is COMMA + BUT, then there should be independent clause after BUT. But in this case, COMMA + BUT is used to connect two prepositional phrases. Why is the rule COMMA + FANBOYS should always be followed by IC valid here?

2) ING modifier: I understand in choice B that ING is modifying the previous clause. But the last portion of the previous clause also states - "But not of other nonhospital services" and that's why I marked B thinking that it is the previous clause. Can you explain a bit on why ING is wrong here?

Thanks a lot for your help! I really appreciate it.


1. COMMA+ BUT can also be used for Idioms: NOT X, BUT Y. Option C is such an usage (X, BUT NOT Y)

2. Although many good guides state that the comma+ present participle modifier modifies the entire previous clause, technically this modifier is a verb modifier, referring the verb (action) of the previous clause. This conceptual clarity would help sort out quite a few issues as the one you stated.

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Re: Medicare, the United States governments health insurance [#permalink]

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New post 18 Jun 2017, 20:56
Medicare covers X but not Y

X= the full cost of home health care
Y = cost of of other non hospital services

verb-ing is not needed - it will relate back to the subject so Medicare is not making them to pay the cost - so creates nonsensical meaning

Hence C

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Re: Medicare, the United States governments health insurance [#permalink]

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New post 03 Sep 2017, 01:10
can you please help with option D. Grammatically the options seems fine to me.And though Payal has mentioned that there is an error of meaning in this, I am unable to find one.
What I understand from option D is - Medicare covers full cost of home health. Home health is unlike other services in that ( READ- BECAUSE) 20 % of the costs must be paid by beneficiaries.

Please correct me- What I understand from Payal's comment is that in this sentence we dont know is medicare responsible for the beneficiaries paying 20% for services other than Home health. But I was thinking that since we are talking about the beneficiaries of the medicare- it becomes implicit that Meicare covers only 80% of cost for other services? NO? IS there any grammar error ??

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Re: Medicare, the United States governments health insurance [#permalink]

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New post 03 Sep 2017, 02:02
pulkitaggi1 wrote:
can you please help with option D. Grammatically the options seems fine to me.And though Payal has mentioned that there is an error of meaning in this, I am unable to find one.
What I understand from option D is - Medicare covers full cost of home health. Home health is unlike other services in that ( READ- BECAUSE) 20 % of the costs must be paid by beneficiaries.

Please correct me- What I understand from Payal's comment is that in this sentence we dont know is medicare responsible for the beneficiaries paying 20% for services other than Home health. But I was thinking that since we are talking about the beneficiaries of the medicare- it becomes implicit that Meicare covers only 80% of cost for other services? NO? IS there any grammar error ??



Hello pulkitaggi1,

I think the question was directed towards the experts but let me try my hand here (not an expert though, but a far cry from that :sad:)

I think you misunderstood. The meaning of sentence is that - medicare covers full cost of home health care. In this case (home health care), the beneficiaries don't have to pay anything. Everything is covered and cost to beneficiaries is 0% since the plan covers everything. Now this case (payment <--> home health care) is unlike other non hospital services. Why? Because in non-hospital services, beneficiaries have to pay some amount. How much? 20% of all the costs.

Hence there is a distinction between home health care and other non hospital services, the way in which cost is covered by the plan.

The ideal structure in C makes it clear - Medicare (singular subject) covers (singular verb) the full cost of X, but not of Y, for Y beneficiaries must pay 20 percent of the costs.

In option D, the contrast is not clear and the meaning is not understood. The contrast should be in the plan's way of payment in 2 ways. 100% in one v/s 80% in other.

if which refers to home health care, then we have --> home health care is unlike other non-hospital services in that 20 percent of the costs must be paid by beneficiaries.

How is home health care different? in that 20 percent of the costs must be paid by beneficiaries.

For me it states that in home health care, 20% is paid by beneficiaries. This is absurd considering first part of the sentence.

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Re: Medicare, the United States governments health insurance [#permalink]

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New post 23 Nov 2017, 12:31
Hi Payal,

a little confused in the grammar.
Comma "," + FANBOY joins two independent clause.
Is the sentence after ", but" in the OA an IC?




egmat wrote:
Hi All,

Medicare, the United States government's health insurance program for the elderly and disabled, covers the full cost of home health care, but not with other nonhospital services where 20 percent of the costs must be paid by beneficiaries.

Image

Let us first understand the meaning of the sentence. Medicare is the US government’s health insurance program for the elderly and disabled. Medicare covers the full cost of home health care. However, it does not cover the cost of nonhospital services. Now, nonhospital services are services for which beneficiaries are required to pay 20% of the total cost.

Image

Error Analysis:

1. Use of “with” violates the parallelism in the sentence. The two entities in the list should be “the full cost of home health care” and “(the full cost) of other nonhospital services”.
2. Relative pronoun “where” is used to modify places. Use of “where” to talk about a service is incorrect.

POE:

Choice A: but not with other nonhospital services where 20 percent of the costs must be paid by beneficiaries: Incorrect for the reasons stated above.

Choice B: but not of other nonhospital services, making beneficiaries pay 20 percent of the costs: Incorrect. Comma + verb-ing modifier “making” modifies the preceding clause “Medicare… covers the full cost…” and renders the meaning of the sentence illogical.

Choice C: but not of other nonhospital services, for which beneficiaries must pay 20 percent of the costs: Correct. “which” is the correct relative pronoun to modify “nonhospital services”.

Choice D: which is unlike other nonhospital services in that 20 percent of the costs must be paid by beneficiaries: Incorrect. This choice fails to establish the fact that Medicare does not cover the nonhospital services.

Choice E: which is unlike other nonhospital services that make beneficiaries pay 20 percent of the costs: Incorrect. Same error as in Choice D.

Image

1. Comma + verb-ing modifier always modify the preceding clause.
2. Relative pronoun “where” is use for places.
3. Be wary of choice that changes or distorts the intended logical meaning of the sentence.

Hope that helps.
Thanks.
Shraddha

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Re: Medicare, the United States governments health insurance   [#permalink] 23 Nov 2017, 12:31

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