Daily English 676 - Selecting a Health Insurance Plan

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Mikhail: What’s all this?

Carol: It’s open enrollment 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 coverage for my pre-existing conditions and prescription 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!

Category: Business

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