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 coverage. 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】

prescription n.处(药)方，(开的)药;开处(药)方

exclusion n. 除外责任条款, 保险契约不包括的项目

healthcare 医疗保险

premium 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。