Health Insurance医疗保险
完整音频预览
0:00
0:00
#1
Hey Linda, have you looked at the new insurance plans yet?
嘿 Linda，你看过新的保险方案了吗？
#2
Yes, I started reading the documents during my lunch break today.
是的，我今天午休时间开始阅读这些文件了。
#3
Good. I think we need to choose a plan before next month.
很好。我想我们需要在下个月之前选择一个方案。
#4
I agree. The deadline is October fifteenth, so we still have time.
我同意。截止日期是十月十五日，所以我们还有时间。
#5
What is the difference between the two plans we were offered?
我们被提供的这两个方案之间有什么区别？
#6
Well, Plan A has a lower premium, which means we pay less each month.
嗯，方案 A 的保费较低，这意味着我们每个月支付的费用较少。
#7
That sounds good. But is there a catch?
那听起来不错。但有什么陷阱（隐藏条件）吗？
#8
Yes, the deductible is much higher with Plan A.
是的，A 方案的自付额要高得多。
#9
So we would pay more out of pocket before coverage begins?
所以我们在保险理赔开始前，需要支付更多自付费用吗？
#10
Exactly. With Plan A, the deductible is two thousand dollars per person.
没错。在 A 方案中，自付额是每人两千美元。
#11
That is a lot. What about Plan B?
那很多耶。那 B 方案呢？
#12
Plan B has a higher monthly premium, but the deductible is only five hundred.
B 方案的每月保费较高，但自付额仅为五百元。
#13
I see. So if someone in our family gets sick, Plan B is better.
我明白了。所以如果我们家有人生病了，方案 B 会比较好。
#14
That is what I was thinking, especially because the kids play sports.
那正是我所想的，特别是因为孩子们有在运动。
#15
Right. Remember when Tommy hurt his knee last year?
对。还记得汤米去年弄伤膝盖的时候吗？
#16
Of course. We had to file a claim for the hospital visit.
当然。我们那时必须为那次住院申请理赔。
#17
Was that process difficult?
那个过程很困难吗？
#18
Not really. I filled out the claim form and sent it online.
不完全是。我填写了理赔申请表并在网上发送了。
#19
And the insurance company paid for most of the treatment, right?
而且保险公司支付了大部分的治疗费用，对吧？
#20
Yes, about eighty percent of the cost was covered by insurance.
是的，大约百分之八十的费用是由保险支付的。
#21
Okay, I think Plan B makes more sense for our family.
好的，我认为 B 方案对我们家来说比较合理。
#22
I agree. The extra premium is about fifty dollars more per month.
我同意。额外的保费每个月大约多出五十美元。
#23
That is worth it for better coverage and a lower deductible.
为了更好的保障和更低的自付额，那是值得的。
#24
Great. I will fill out the application form this weekend.
太好了。我这周末会填写申请表。
#25
Perfect. And I will make us a nice dinner while you do that!
太棒了。当你在填表的时候，我会为我们准备一顿丰盛的晚餐！
#26
That sounds like a fair deal to me.
对我来说，那听起来是个公平的交易。