ESL Podcast 676 – Selecting a Health Insurance Plan

（单词翻译）

　　Mikhail: What’s all this?
Carol: It’s open enrollment¹ at my company and I’m thinking of switching health plans. I have an HMO right now and I’m thinking of switching to a PPO. That way, I can see doctors outside of my current network and still be covered.
Mikhail: I’m so glad I don’t have to worry about things like that. I’m still a dependent on my mother’s plan, at least for another year.
Carol: Lucky you. Look at all of this literature! How am I supposed to make heads or tails of this to compare one plan with another?
Mikhail: Wow, yeah, that’s really confusing.
Carol: Tell me about it. I want to know if these new plans have coverage² for my pre-existing conditions and prescription³ drugs, and if not, what the out-of-pocket costs would be.
Mikhail: Don’t look at me.
Carol: And how am I supposed to figure out what my copay and deductible would be?
Mikhail: You’re on your own on this one. It’s all Greek to me!
Script by Dr. Lucy Tse