純正地道美語 第158期(外教講解):談論醫療保險

B: It was alright. I ran into Bill and we got to talking for a while. He’s in a bit of a jam.

A: Why? What happened?

B: Well, his son had an accident and Bill doesn’t have health insurance. This really got me thinking, and I wondered if we shouldn’t look into a couple of different HMO’s.

A: Yeah, you’re right. We aren’t getting any younger and our kids are getting older.

B: Exactly! I searched on the web and found a couple of HMO’s with low co-pays and good coverage. The deductibles are low, too.

A:Sounds good, although, do you think we can qualify for insurance? Those insurance companies are real pirates when it comes to money.

B:Well, we don’t have any pre-existing illnesses or conditions, so we should be fine.

A: I wish our company or country provided us with healthcare.

B:Not in a million years!

run into 偶然碰見
I nearly run into a bus when it stop suddenly in front of me.
前面一輛公共汽車突然停住，我險些撞上。

a bit of 有點

jam n. 困難

look into 調查
A working party has been set up to look into the problem.
已成立工作組調查該問題。

health maintenance organization是“health maintenance organization（醫療保健組織）”的縮寫

co-pay 醫療費

coverage n. 保險項目

deductible n. 可減免的東西, 扣除條款

when it comes to在……方面

【拓展詞彙】

prescription n.處(藥)方，(開的)藥；開處(藥)方

exclusion n. 除外責任條款, 保險契約不包括的項目

healthcare 醫療保險

premium n. 保險費

coinsurance n. 共同保險, 共同擔保

A:親愛的，今天過得如何？

B:還行。我碰見比爾了，我們說了會兒話。他現在有些困難。

A:爲什麼？發生什麼事了？

B:他兒子出了車禍，但是比爾沒有醫療保險。這使我思考我們是不是應該調查下不同的醫保組織。

A:你說得對。我們不再年輕，孩子也在變老。

B:是啊，我在網上搜索了，找到了2家保健組織，它們的醫療費很低而且保險項目很好。扣除條款也很低。

A:聽起來不錯，但是你認爲我們適合保險嗎？這些保險公司一旦涉及到錢就十分貪婪。

B:我們沒有先天性的疾病和症狀，所以應該適合保險。

A:我希望我們的公司或是單位能爲我們提供醫保。

B:一百萬年內都別指望了。