用英語(yǔ)聊聊醫(yī)療保險(xiǎn)（二）

上期口語(yǔ)中，Jane向同事Andy介紹了公司的醫(yī)療保險(xiǎn)，看起來(lái)她對(duì)保險(xiǎn)懂得特別多。ANDY好奇地問(wèn)：

A: It seems you really know a lot about insurance.

J: Well, I'm pretty serious about insurance. I have two life insurance policies as well as casualty and accident insurance.

A: Wow. I only buy insurance when I'm forced to. I have auto insurance, but that's required by law.

J: You should think about doing some research. Sometimes you can find policies that are actually a pretty good investment. Some policies allow you to pay for say, 20 years, and then you can collect a monthly check from the insurance company.

Jane說(shuō)，自己不僅有醫(yī)療保險(xiǎn)，還有兩份人壽保險(xiǎn)，life insurance policies，和意外傷害保險(xiǎn)，casualty and accident insurance。她建議Andy不妨找找看，因?yàn)橛袝r(shí)保險(xiǎn)也是一種不錯(cuò)的投資，比如說(shuō)，有些保險(xiǎn)付滿20年后，就可以每月從保險(xiǎn)公司領(lǐng)取一張支票。

A: That's very interesting. I think you missed your calling! You should have been an insurance agent!

J: Actually, I worked for an insurance company when I was in my 20s.

A: Right...no wonder you're so knowledgeable. So what about things like braces for my crooked teeth? Can I claim that from my company policy?

J: This company only provides limited dental coverage. If you broke a tooth on the job, that would be covered, but things like braces or teeth-whitening are considered cosmetic procedures and you have to pay the lion's share.

Andy開玩笑說(shuō)，Jane應(yīng)該去賣保險(xiǎn)，她真是選錯(cuò)了職業(yè)，you missed your calling，calling在這里是職業(yè)的意思。Jane說(shuō)，自己20幾歲時(shí)確實(shí)在保險(xiǎn)公司干過(guò)，No wonder she is so knowledgeable（難怪她知道這么多）。ANDY又問(wèn)，如果是牙齒整形，公司的醫(yī)療保險(xiǎn)管不管，牙齒不整齊，可以說(shuō)crooked teeth, 牙齒矯形器是braces。Jane說(shuō)，公司的牙齒保健保險(xiǎn)很有限，整形和漂白（teeth-whitening）都屬于cosmetic procedures（美容），大部分錢要由個(gè)人出，you have to pay the lion's share. lion's share 意思是主要部分。

A: So how should I go about finding out if the medical procedure I need is covered?

J: You should probably speak to your doctor and get some paperwork describing what you need. Then you can talk to the insurance company. But remember, some of your medical expenses won't be covered and you'll have to pay them yourself.

A: I understand. Thanks a bunch. I think I understand the process better now.

Jane建議ANDY先去找醫(yī)生開證明，然后拿著證明去找保險(xiǎn)公司問(wèn)，這樣就知道哪些是保險(xiǎn)公司負(fù)責(zé)的，哪些要自己掏錢了。