纯正地道美语(外教讲解)158：谈论医疗保险

　　A: Hey honey, how was your day?
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 coverage¹. 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 偶然碰见
I nearly run into a bus when it stop suddenly in front of me.
前面一辆公共汽车突然停住，我险些撞上。
a bit of 有点
jam n. 困难
look into 调查
A working party has been set up to look into the problem.
已成立工作组调查该问题。
health maintenance organization是“health maintenance organization（医疗保健组织）”的缩写
co-pay 医疗费
coverage n. 保险项目
deductible n. 可减免的东西, 扣除条款
when  it comes to在……方面
拓展词汇】
prescription² n.处(药)方，(开的)药；开处(药)方
exclusion³ n. 除外责任条款, 保险契约不包括的项目
healthcare 医疗保险
premium⁴ n. 保险费
coinsurance n. 共同保险, 共同担保
A:亲爱的，今天过得如何？
B:还行。我碰见比尔了，我们说了会儿话。他现在有些困难。
A:为什么？发生什么事了？
B:他儿子出了车祸，但是比尔没有医疗保险。这使我思考我们是不是应该调查下不同的医保组织。
A:你说得对。我们不再年轻，孩子也在变老。
B:是啊，我在网上搜索了，找到了2家保健组织，它们的医疗费很低而且保险项目很好。扣除条款也很低。
A:听起来不错，但是你认为我们适合保险吗？这些保险公司一旦涉及到钱就十分贪婪。
B:我们没有先天性的疾病和症状，所以应该适合保险。
A:我希望我们的公司或是单位能为我们提供医保。
B:一百万年内都别指望了。

1 coverage   

n.报导，保险范围，保险额，范围，覆盖

参考例句：

• There's little coverage of foreign news in the newspaper.报纸上几乎没有国外新闻报道。
• This is an insurance policy with extensive coverage.这是一项承保范围广泛的保险。

2 prescription   

n.处方，开药；指示，规定

参考例句：

• The physician made a prescription against sea- sickness for him.医生给他开了个治晕船的药方。
• The drug is available on prescription only.这种药只能凭处方购买。

3 exclusion   

n.拒绝，排除，排斥，远足，远途旅行

参考例句：

• Don't revise a few topics to the exclusion of all others.不要修改少数论题以致排除所有其他的。
• He plays golf to the exclusion of all other sports.他专打高尔夫球，其他运动一概不参加。

4 premium   

n.加付款；赠品；adj.高级的；售价高的

参考例句：

• You have to pay a premium for express delivery.寄快递你得付额外费用。
• Fresh water was at a premium after the reservoir was contaminated.在水库被污染之后，清水便因稀而贵了。