| A: | Hey honey, how was your day? |
| B: | It was alright. I ran into Billand we got totalking for a whileHe's in a bit of a jam. |
| A: | Why? What happened? |
| B: | Well, his son had an accident and Billdoesn'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 onthe 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 | meet or encounter | |
| a bit of | kind of | |
| jam | a problem or difficult situation | |
| look into | investigate | |
| health maintenance organization | Health Maintenance Organization | |
| deductible | a clause in an insurance policy that relieves the | |
| coverage | the extent of the protection provided by insurance | |
| when it comes to | in terms of, about | |
| co-pay | a payment made everytime a medical service is need |
| prescription | the medicine or remedy ordered by a physician for a patient | |
| exclusion | certain services that an insurance company will not cover in the plan | |
| healthcare | the prevention and treatment of illness and the preservation of well-being through the services offered by the health professions | |
| premium | the amount paid for an insurance policy, often in installments | |
| coinsurance | After the deductible is exceeded, it is when the insured must also pay a percentage of the total cost of services while the insurance company pays the rest. It can be used instead of or in addition to copays. |