Part D   Insurance Without the Premium?

 

Vocabulary Preparation:

 

premium  n. payment for insurance保险费

bundle n. a large sum of money (especiallyas pay or profit) 一笔钱 

bargain  n. an advantageous purchase 物美价廉的东西；划算的商品

deductible n. a clause in an insurance policy that relieves the insurer ofresponsibility to pay the initial loss up to a stated amount 自付额；扣除

deal  n. an agreementbetween parties (usually arrived at after discussion) fixing obligations ofeach 交易；协定

policy n. written contract orcertificate of insurance 保险单；保单

play out to happen 发生

gosh  int. used to express surprise 唉！糟了！

pediatrician n. a specialist in the care of babies儿科医师

waryadj. marked bykeen caution and watchful prudence谨慎的；留神的

boil down to toamount to; to be the reason for 归结为；意味着

overblown  adj. made to seem greater or moreimpressive than something really is 言过其实的

upfront  adj. paid before any work has been doneor before goods are supplied 预付的；先期的

 

 

Note:

 

The American Academy of Pediatrics(AAP) was founded in 1930 and now has 60,000primary care pediatricians, pediatric medical subspecialists and pediatricsurgical specialists as members. The AAP’s mission is to attain optimal physical,mental and social health and well-being for all infants, children, adolescentsand young adults. 美国儿科协会

 

 

Exercise: Answer the following questions.

 

1.      What is the “high-deductible”health plan? How much does the insured have to pay in premiums? How much doeshe have to pay when he sees a doctor?

2.      What happens to some familieswith a “high-deductible” health plan? Why?

3.      “High-deductible” insurance cansave the company a lot of money but there are risks as well. In your opinion,is the money saved worth the risk? Why or why not?

4.      Insurance is considered anecessity that protects our property and family. Do you think you can get thetype and level of protection you want from insurance? Why or why not?

5.      Because of the extremely highcosts of medical care, health insurance has become a must for us. What do youthink is the most suitable health insurance for people in China?