健康保险

1

Conversation 1: I would like to purchase some health insurance. - Have you ever purchased health insurance before?

显示译文▼

我想买一些健康险。 - 你以前买过健康险吗？

2

I have health insurance now, but I want to look into other choices. - Do you know if you are interested in an HMO⁽¹⁾ or a PPO⁽²⁾?

显示译文▼

我现在有医疗险，但我想考虑其他的选择。 - 你知道你是对HMO还是PPO感兴趣？
⁽¹⁾HMO，Health Maintenance Organization，健康维护机构，(美国)医疗保健组织(会员定期交费)，HMO是由当地的医生、医院以及其他医疗服务提供商发起并成立的。提供商们同意对参与保险计划的成员收取较低的费用。同时机构会控制并确保他们的收费标准在一定范围内。HMO计划通常会要求病人有指定的家庭医生。这类保险计划一般不会包括网络外的医疗服务。换句话说，如果同学在网络外的医疗机构看病，就得自己买单了。

⁽²⁾PPO，Preferred Provider Organization，优选医疗机构，首选医疗服务提供机构(为大机构和雇主提供医疗服务的公司)，PPO与HMO类似，同样也是由一些医生、医院以及其他提供商组成的网络。成员能够以优惠的价格在网络内的提供商接受医疗服务。与HMO不同的是， PPO允许成员到网络外的提供商就医，当然费用上通常会比网络内的贵上许多。另外，成员们不需要有指定的家庭医生，也不需要家庭医生的介绍去看专科医生。

3

Could you explain the difference to me? - To clarify it for you, with a PPO you pay more but you get to choose your own doctor.

显示译文▼

你能给我解释一下区别吗？ - 为了给你说清这一点，PPO支付的费用更高，但你可以选择自己的医生。

4

When I pay for a service, is the payment the same for a PPO or HMO? - The payments are quite a bit higher for the PPO, but you can go anywhere you like.

显示译文▼

当我为服务付费时，PPO或HMO的付款是否相同？ - PPO的付款要高一些，但你可以去任何你喜欢的地方。

5

How much will an HMO cost me per month? - Go to our website and fill in the questionnaire. Once we have all of your information, we can give you a quote.

显示译文▼

我一个月要花多少钱？ - 去我们的网站填写问卷，一旦我们掌握了你们的所有信息，我们可以给你一个报价。

6

Conversation 2: I am calling to purchase health insurance. - Do you have health insurance now?

显示译文▼

我打电话来是想买健康险。 - 你现在有健康险吗？

7

I was on my parents' policy, but I need to start buying my own. - You can purchase an HMO or a PPO. Do you know what you want?

显示译文▼

我是按照我父母的政策来的，但我需要开始买我自己的。 - 您可以购买HMO或PPO，你知道你想要什么吗？

8

I don't know what I want. - Let me explain it to you. An HMO is a little cheaper, but you can only choose certain doctors.

显示译文▼

我不知道我想要什么。 - 让我解释给你听，HMO是有点便宜，但你只能选择某些医生。

9

When I go to the doctor, do I pay the same out-of-pocket expenses for a PPO? - The payments are a little lower for an HMO as long as you go to their doctors.

显示译文▼

当我去看医生时，我是否为PPO支付同样的自付费用？ - 只要你去看他们的医生，HMO的费用就低一点。

10

How much will a PPO cost me per month? - We need to factor in many things. Why don't you come in, and we will have you fill out a questionnaire.

显示译文▼

一个PPO每月要花我多少钱？ - 我们需要考虑很多因素，你为什么不进来，我们会让你填一份问卷。

11

Conversation 3: I need information on purchasing health insurance. - Is this the first time you have had health insurance?

显示译文▼

我需要购买健康险的信息。 - 这是你第一次买健康险吗？

12

This is my first time buying health insurance. - You have a choice of HMO or PPO. Do you understand the difference?

显示译文▼

这是我第一次买健康险。 - 您可以选择HMO或PPO，你明白区别吗？

13

I am not sure what those are. - Just so you understand completely: An HMO is a little cheaper, but you have limited choices of which doctor you choose.

显示译文▼

我不知道那是什么。 - 所以你要完全理解：HMO是有点便宜，但你选择医生是有限的。

14

If I need to use my insurance, are the payments the same for a PPO and HMO? - By going to the providers on the HMO list, you save money in out-of-pocket expenses.

显示译文▼

如果我需要使用我的保险，PPO和HMO的付款是否相同？ - 通过访问HMO名单上的供应者，你可以节省自付费用。

15

Can you give me a comparison between a PPO and an HMO? - We can mail you a questionnaire and when we have all of your information, we will mail you a quote.

显示译文▼

你能给我一个PPO和HMO的比较吗？ - 我们可以邮寄给你一份问卷，当我们有你的所有信息，我们会邮寄给你一个报价。

1

我想买一些健康险。 - 你以前买过健康险吗？

显示原文▼

Conversation 1: I would like to purchase some health insurance. - Have you ever purchased health insurance before?

2

我现在有医疗险，但我想考虑其他的选择。 - 你知道你是对HMO还是PPO感兴趣？

显示原文▼

I have health insurance now, but I want to look into other choices. - Do you know if you are interested in an HMO⁽¹⁾ or a PPO⁽²⁾?
⁽¹⁾HMO，Health Maintenance Organization，健康维护机构，(美国)医疗保健组织(会员定期交费)，HMO是由当地的医生、医院以及其他医疗服务提供商发起并成立的。提供商们同意对参与保险计划的成员收取较低的费用。同时机构会控制并确保他们的收费标准在一定范围内。HMO计划通常会要求病人有指定的家庭医生。这类保险计划一般不会包括网络外的医疗服务。换句话说，如果同学在网络外的医疗机构看病，就得自己买单了。

⁽²⁾PPO，Preferred Provider Organization，优选医疗机构，首选医疗服务提供机构(为大机构和雇主提供医疗服务的公司)，PPO与HMO类似，同样也是由一些医生、医院以及其他提供商组成的网络。成员能够以优惠的价格在网络内的提供商接受医疗服务。与HMO不同的是， PPO允许成员到网络外的提供商就医，当然费用上通常会比网络内的贵上许多。另外，成员们不需要有指定的家庭医生，也不需要家庭医生的介绍去看专科医生。

3

你能给我解释一下区别吗？ - 为了给你说清这一点，PPO支付的费用更高，但你可以选择自己的医生。

显示原文▼

Could you explain the difference to me? - To clarify it for you, with a PPO you pay more but you get to choose your own doctor.

4

当我为服务付费时，PPO或HMO的付款是否相同？ - PPO的付款要高一些，但你可以去任何你喜欢的地方。

显示原文▼

When I pay for a service, is the payment the same for a PPO or HMO? - The payments are quite a bit higher for the PPO, but you can go anywhere you like.

5

我一个月要花多少钱？ - 去我们的网站填写问卷，一旦我们掌握了你们的所有信息，我们可以给你一个报价。

显示原文▼

How much will an HMO cost me per month? - Go to our website and fill in the questionnaire. Once we have all of your information, we can give you a quote.

6

我打电话来是想买健康险。 - 你现在有健康险吗？

显示原文▼

Conversation 2: I am calling to purchase health insurance. - Do you have health insurance now?

7

我是按照我父母的政策来的，但我需要开始买我自己的。 - 您可以购买HMO或PPO，你知道你想要什么吗？

显示原文▼

I was on my parents' policy, but I need to start buying my own. - You can purchase an HMO or a PPO. Do you know what you want?

8

我不知道我想要什么。 - 让我解释给你听，HMO是有点便宜，但你只能选择某些医生。

显示原文▼

I don't know what I want. - Let me explain it to you. An HMO is a little cheaper, but you can only choose certain doctors.

9

当我去看医生时，我是否为PPO支付同样的自付费用？ - 只要你去看他们的医生，HMO的费用就低一点。

显示原文▼

When I go to the doctor, do I pay the same out-of-pocket expenses for a PPO? - The payments are a little lower for an HMO as long as you go to their doctors.

10

一个PPO每月要花我多少钱？ - 我们需要考虑很多因素，你为什么不进来，我们会让你填一份问卷。

显示原文▼

How much will a PPO cost me per month? - We need to factor in many things. Why don't you come in, and we will have you fill out a questionnaire.

11

我需要购买健康险的信息。 - 这是你第一次买健康险吗？

显示原文▼

Conversation 3: I need information on purchasing health insurance. - Is this the first time you have had health insurance?

12

这是我第一次买健康险。 - 您可以选择HMO或PPO，你明白区别吗？

显示原文▼

This is my first time buying health insurance. - You have a choice of HMO or PPO. Do you understand the difference?

13

我不知道那是什么。 - 所以你要完全理解：HMO是有点便宜，但你选择医生是有限的。

显示原文▼

I am not sure what those are. - Just so you understand completely: An HMO is a little cheaper, but you have limited choices of which doctor you choose.

14

如果我需要使用我的保险，PPO和HMO的付款是否相同？ - 通过访问HMO名单上的供应者，你可以节省自付费用。

显示原文▼

If I need to use my insurance, are the payments the same for a PPO and HMO? - By going to the providers on the HMO list, you save money in out-of-pocket expenses.

15

你能给我一个PPO和HMO的比较吗？ - 我们可以邮寄给你一份问卷，当我们有你的所有信息，我们会邮寄给你一个报价。

显示原文▼

Can you give me a comparison between a PPO and an HMO? - We can mail you a questionnaire and when we have all of your information, we will mail you a quote.

1

Conversation 1: I would like to purchase some health insurance. - Have you ever purchased health insurance before?
2

I have health insurance now, but I want to look into other choices. - Do you know if you are interested in an HMO⁽¹⁾ or a PPO⁽²⁾?
3

Could you explain the difference to me? - To clarify it for you, with a PPO you pay more but you get to choose your own doctor.
4

When I pay for a service, is the payment the same for a PPO or HMO? - The payments are quite a bit higher for the PPO, but you can go anywhere you like.
5

How much will an HMO cost me per month? - Go to our website and fill in the questionnaire. Once we have all of your information, we can give you a quote.
6

Conversation 2: I am calling to purchase health insurance. - Do you have health insurance now?
7

I was on my parents' policy, but I need to start buying my own. - You can purchase an HMO or a PPO. Do you know what you want?
8

I don't know what I want. - Let me explain it to you. An HMO is a little cheaper, but you can only choose certain doctors.
9

When I go to the doctor, do I pay the same out-of-pocket expenses for a PPO? - The payments are a little lower for an HMO as long as you go to their doctors.
10

How much will a PPO cost me per month? - We need to factor in many things. Why don't you come in, and we will have you fill out a questionnaire.
11

Conversation 3: I need information on purchasing health insurance. - Is this the first time you have had health insurance?
12

This is my first time buying health insurance. - You have a choice of HMO or PPO. Do you understand the difference?
13

I am not sure what those are. - Just so you understand completely: An HMO is a little cheaper, but you have limited choices of which doctor you choose.
14

If I need to use my insurance, are the payments the same for a PPO and HMO? - By going to the providers on the HMO list, you save money in out-of-pocket expenses.
15

Can you give me a comparison between a PPO and an HMO? - We can mail you a questionnaire and when we have all of your information, we will mail you a quote.

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