雅思阅读：了解“医疗保险”.docxVIP

智课网IELTS备考资料雅思阅读：了解“医疗保险” 出国英语考试有哪些 雅思6.5是什么水平 雅思阅读评分标准 托福阅读评分标准 雅思和托福的区别 对于上班族来说，医疗保险很重要，保什么，不保什么可得弄清楚。今天我们来通过雅思阅读，了解一下美国公司员工享受的医疗保险福利。 Andy向同事Jane咨询公司医疗保险的事。 Andy: Hey, Jane...are you familiar with our companys insurance policies? Jane: Umm...I think so. Whats up? A: Ive never really paid attention to the fine print of our insurance policies...but it looks like Im going to need to make a claim. J: Really? Are you OK? A: I have a slipped disc in my lower back and the doctor says surgery is probably the best option. Does our worker insurance cover this kind of thing? Andy问Jane熟不熟悉公司的医疗保险条款，insurance是保险，policies是条款，医生说他腰椎肩盘突出，可能要做手术，需要向保险公司make a claim，提出医疗赔偿。Andy说，自己从没仔细研究过公司医疗保险的fine print(规定细则)，不知道做腰椎肩盘手术，保险公司是不是出钱，这里动词用cover, to cover this kind of thing 意思是保险涵盖这类治疗。 J: If the injury is workplace related Im sure its completely covered. A: Hummm...I think Ill have to talk to the doctor again about that. Anyway...now that Im going to have to make some claims, I think Id better try and understand how the system works. Would you mind breaking it down for me? J: Sure. Basically we have two insurance policies for employees...workmans compensation and medical insurance. The company pays the premiums for workmans compensation, and for a significant part of the medical coverage, but you pay part of that premium, too. Jane说，如果病情起因跟工作有关，那保险肯定是管的，她还给Andy做了进一步解释，这里用的break something down意思是把一件事情分成几部分，详细说明。Jane说，公司有两种保险，一种是workmans compensation(工人抚恤金保险)，保费由公司出;另一种是medical coverage(医疗保险)，公司出一大部分保费，其余由员工出，在医疗保险中，保费是premium。 A: Thats the charge for insurance I see on my pay slip each month, right? J: Yep. Every country in the world has a different system, but here we buy insurance from a private provider. A: So workmans compensation is if I slip and break my arm while working in the office or on the job, right? J: Thats right. The company pays for all your medical bills and there is also some financial compensation if you have to t