Health Insurance医疗保险
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#1
Hi, Robert. Can we talk?
嗨，罗伯特。我们可以谈谈吗？
#2
Sure, Linda. What is it?
当然可以，琳达。什么事？
#3
I have a letter here.
我这里有一封信。
#4
What letter is it?
那是什么信？
#5
It is about our health insurance.
这是关于我们的健康保险。
#6
Oh, let me see it.
喔，让我看看它。
#7
The premium goes up next month.
保险费下个月要涨价了。
#8
How much is the premium now?
现在的保费是多少？
#9
It is $400 every month.
每个月是 400 美元。
#10
That is a lot of money.
那是很大一笔钱。
#11
Yes. We need good coverage.
是的。我们需要良好的保险范围。
#12
What does coverage mean exactly?
“Coverage”确切的意思是什么？
#13
Coverage is what insurance pays for.
保险给付范围就是保险公司支付的内容。
#14
Like doctor visits?
像是看医生吗？
#15
Yes. And medicine too.
是的。还有药物也是。
#16
OK. I understand now.
好的。我现在明白了。
#17
There is also a deductible.
还有一个自付额。
#18
What is a deductible?
什么是自付额？
#19
We pay some money first.
我们首先支付一些钱。
#20
Before insurance pays?
在保险公司付款之前吗？
#21
Yes, exactly. Our deductible is $1,000.
是的，没错。我们的自付额是 1,000 美元。
#22
So we pay $1,000 first.
所以我们首先要支付 1,000 美元。
#23
What about a claim?
那理赔申请呢？
#24
A claim is a request for money.
索赔是指要求给付金钱。
#25
We ask insurance to pay?
我们要求保险公司付钱吗？
#26
Yes. The doctor sends a claim.
是的。医生会寄出理赔申请。
#27
OK. Let us read the letter together.
好的。让我们一起读这封信。
#28
Good idea. I make some tea.
好主意。我去泡点茶。
#29
Thank you, Linda. We can do this.
谢谢你，琳达。我们可以做到的。