為什么在美國沒有全民健康保險？保險有很多種應該怎么選

今天的這段對話，在討論健康保險，

為什么在美國沒有全民健康保險？保險有很多種應該怎么選

來聽今天的講解:

A: I want to ask you about something.

我想請教你一些事。

B: Yes?

請說。

A: My colleagues at work say I should get health insurance. What do you think?

我的同事說我應該要有健康保險，你認為呢？

B: I think it's important. I can give you my insurance agent's card if you want.

那很重要。如果你要的話，我可以給你我保險代理人的名片。

A: But I'm not sure what kind I need.In Taiwan, we have a national insurance program. But here you have nothing.

但是我不確定需要哪一種。在臺灣我們有全民健康保險的方案，但是這里什么都沒有。

B: Yes, I know. Many countries have national health insurance. America doesn't.

是的，我知道很多國家都有全民健康保險，而美國沒有。

A: Why is that?

為什么會這樣？

B: Well, it's because of American culture.Most Americans think the government should be small.That means the government should not be in charge of everything.Americans think private companies can do things better than the government can.So we depend on private companies for insurance.

那是美國文化的緣故。大多數(shù)的美國人認為政府應該精簡。就是說政府不應該掌控每件事。他們認為民營企業(yè)可以做得比政府好。所以我們的保險全靠私人公司。

A: But isn't that expensive? I mean, what about poor people?Can they afford insurance too?

那樣不是比較貴嗎？那么窮人怎么辦？他們付擔得起保費嗎？

B: You're right, Emily. It is expensive.And many people criticize the American way. They say it is not fair to poor people.They say the health systems are better in other countries. Especially in Europe.

沒錯，是很貴,愛茉莉。很多人批評美國的做法，說這樣對窮人不公平。他們說健康體制在其它國家做得比較好，特別是歐洲國家。

A: But what do you think?

那么你認為呢？

B: I don't know. I just do my best to have good insurance. It's important.

我不知道。我盡力找個好的保險就是了，這很重要。

A: It's confusing, though. There are so many companies.And so many different kinds of insurance. What should I get?

這真讓人困擾，有那么多家公司。那么多種保險，我要選什么呢？

B: I like the company I have now.So I recommend them. What you need to decide is what kind of coverage you want.

我喜歡我現(xiàn)在的保險公司。所以我推薦他們。你要做的是決定要什么保險項目。

A: Coverage?

保險項目？

B: Yes. Coverage means what the insurance will cover.For example, maybe you plan to have a baby. Then you should choose an insurance that covers pregnancy. Otherwise, you shouldn't pay for pregnancy coverage. Do you understand?

是的，是指你想要保哪些險。例如你計劃生小孩的話就要保懷孕險。不然你就不用付懷孕項目的保費，了解嗎？

A: Yes. So I need to talk to the agent.

是的。所以我需要和代理人談談。

B: That's right. Would you like the number?

沒錯，你要電話號碼嗎？

A: Alright.

好的。

B: My agent is Bonnie Smith. She is really helpful.I am confident she can answer your questions.

我的代理人是娜邦妮?史密斯，她真的很幫忙。我相信她能夠解答你的疑問。

A: Thanks, Anna. I always appreciate your advice.

謝謝你，安娜。我一直很感激你的建議。

B: Don't mention it.

別客氣。