Health Insurance
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#1
Hi, Robert. Can we talk?
嗨，勞勃。我們可以談談嗎？
#2
Sure, Linda. What is it?
當然可以，琳達。什麼事？
#3
I have a letter here.
我這裡有一封信。
#4
What letter is it?
那是什麽信？
#5
It is about our health insurance.
這是關於我們的健康保險。
#6
Oh, let me see it.
喔，讓我看看它。
#7
The premium goes up next month.
保險費下個月要漲價了。
#8
How much is the premium now?
現在的保費是多少？
#9
It is $400 every month.
每個月是 400 美元。
#10
That is a lot of money.
那是很大一筆錢。
#11
Yes. We need good coverage.
是的。我們需要良好的保險範圍。
#12
What does coverage mean exactly?
「Coverage」確切的意思是什麼？
#13
Coverage is what insurance pays for.
保險給付範圍就是保險公司支付的內容。
#14
Like doctor visits?
像是看醫生嗎？
#15
Yes. And medicine too.
是的。還有藥物也是。
#16
OK. I understand now.
好的。我現在明白了。
#17
There is also a deductible.
還有一個自付額。
#18
What is a deductible?
什麼是自付額？
#19
We pay some money first.
我們首先支付一些錢。
#20
Before insurance pays?
在保險公司付款之前嗎？
#21
Yes, exactly. Our deductible is $1,000.
是的，沒錯。我們的自付額是 1,000 美元。
#22
So we pay $1,000 first.
所以我們首先要支付 1,000 美元。
#23
What about a claim?
那理賠申請呢？
#24
A claim is a request for money.
索賠是指要求給付金錢。
#25
We ask insurance to pay?
我們要求保險公司付錢嗎？
#26
Yes. The doctor sends a claim.
是的。醫生會寄出理賠申請。
#27
OK. Let us read the letter together.
好的。讓我們一起讀這封信。
#28
Good idea. I make some tea.
好主意。我去泡點茶。
#29
Thank you, Linda. We can do this.
謝謝你，琳達。我們可以做到的。