Listen to a Business English Dialogue about Health insurance
Jeremy: Hi Isabella, have you ever looked into health insurance plans?
Isabella: Yes, I have. Health insurance plans help cover medical expenses, such as doctor visits, prescription medications, and hospital stays.
Jeremy: That’s right. It’s important to have health insurance to protect yourself and your family from unexpected medical costs. Have you ever compared different health insurance plans to find the best option?
Isabella: Yes, I have. When comparing health insurance plans, it’s essential to consider factors such as premiums, deductibles, coverage limits, and network providers.
Jeremy: Exactly. It’s important to find a plan that meets your healthcare needs and fits within your budget. How do you think health insurance premiums are determined?
Isabella: Health insurance premiums are typically based on factors such as age, location, health status, and the level of coverage selected.
Jeremy: Right. Premiums may also vary depending on whether the plan is purchased individually or through an employer. How do you think health insurance deductibles work?
Isabella: Health insurance deductibles are the amount you must pay out of pocket for covered services before your insurance starts to pay.
Jeremy: That’s correct. Choosing a plan with a higher deductible usually means lower monthly premiums but higher out-of-pocket costs for medical care. Have you ever used health insurance for a medical expense?
Isabella: Yes, I have. Health insurance helped cover the costs of a hospital visit when I had an unexpected illness.
Jeremy: That’s good to hear. Health insurance provides financial protection and peace of mind during times of illness or injury. How do you think the Affordable Care Act has impacted health insurance in the United States?
Isabella: The Affordable Care Act has expanded access to health insurance coverage, prohibited insurers from denying coverage based on pre-existing conditions, and provided subsidies to make insurance more affordable for low-income individuals and families.
Jeremy: Absolutely. The Affordable Care Act has made significant strides in improving access to healthcare and reducing the number of uninsured Americans. Thanks for the informative conversation, Isabella.