Lesson 48: Health Insurance
Words to learn:
Study the following definitions and examples.
1. allow v., to let do or happen; to permit
a. My insurance does not allow me to choose my own hospital.
b. The health plan made an exception by allowing me to go directly to a dermatologist.
2. alternative adj., allowing a choice; other
a. To lower the cost of health Insurance, my employer chose an alternative method of insuring us.
b. I’d like to discuss alternative treatments before I agree to anything.
3. aspect n., a feature element; an appearance
a. The right to choose their own doctor is an important aspect of health coverage for many people.
b. The aspect of HMOs that people most dislike is the lack of personal Service.
4. concern n., anxiety; worry
a. Whenever I have health concerns, I call my doctor.
b. The rising cost of health care is of great concern to many people.
5. emphasize v., to stress
a. The nurse emphasized the importance of eating a balanced diet.
b. The new Insurance plan emphasizes wellness by providing reimbursement for health Club memberships.
6. incur v., to become subject to
a. I incurred substantial expenses that my health plan does not cover.
b. Dominic incurs the cost of a co-payment at each doctor’s visit.
7. personnel n., a group of employees or workers
a. The office manager insisted that she needed more personnel to finish the project on time.
b. The employee went to see the director of personnel about taking an extended leave of absence.
8. policy n., a set of rules and regulations
a. Company policy did not provide for overtime pay.
b. The company’s insurance policy did not cover cosmetic surgery.
9. portion n., a section or quantity within a larger thing; a part of a whole
a. A portion of my benefits is my health care coverage.
b. I am keeping a record of the portion of my income I spend on health care.
10. regardless adv., in spite of
a. Regardless of the cost, we all need health Insurance.
b. I keep going to the same doctor, regardless of the fact that she does not take my pain seriously.
11. salary n., a fixed compensation paid regularly for work done; one’s pay
a. The receptionist believed that he worked too hard for such a small salary.
b. The technician was pleased to have a raise in salary after only six months on the job.
12. suit v., to be appropriate; to satisfy
a. This insurance plan doesn’t suit our family as it doesn’t cover well-baby care.
b. I have finally found a health plan that suits my needs.
WORDS IN CONTEXT
Read the following passage and write the words in the blanks below.
The cost and availability of health insurance is one of the greatest (1) _________of company (2) __________. A covered employee should be familiar with the terms and conditions of the insurance (3) _________. Although the insured pays a (4) _________of the cost of his or her coverage through (5) _________deductions, the employer generally covers most of the cost.
Self-employed persons can arrange for their own insurance or join an association of those performing similar work in order to get lower premiums. Traditionally, the insurance carrier will (6) _________most of the charges related to medical care, although the insured might be responsible for a small portion.
Although the company or association negotiates the most (7) _________terms they can, most experts (8) _________that employees should be on the lookout for (9) _________that might better suit their needs. (10) _________of the cost of premiums, the most important (11) _________of good
health insurance is that it meets the needs of the insured and (12) _________ the least possible cost for necessary procedures.
|verb||allow||The insurance policy did not allow multiple prescription refills.|
|noun||allowance||The policy is liberal in its allowance for optometry services.|
|adjective||allowable||A maximum of two denial visits is allowable under the plan.|
|verb||alternate||We alternate turns in taking the kids to the doctor.|
|noun||alternative||Our medical insurance was too expensive, so we sought a cheaper alternative.|
|adjective||alternative||We need to find an alternative health plan as this one is too expensive.|
|verb||concern||It concerns me that we haven’t been able to find a suitable health Insurance plan.|
|noun||concern||A good doctor will pay attention to any and all concerns the patient expresses about his or her health.|
|adjective||concerned||I am concerned about the limited benefits this Insurance plan offers.|
|verb||emphasize||The plan representative emphasized the need for a second medical opinion.|
|noun||emphasis||The emphasis of the health plan is on staying well.|
|adjective||emphatic||Hassan made an emphatic appeal to the medical insurance director.|
|verb||regard||We regard this health insurance plan as one of the best options available.|
|adjective||regardful||The company was not regardful of the needs of most of the employees when it chose this health Insurance plan.|
|adverb||regardless||I took the job regardless of the poor health benefits the company offers.|
|verb||suit||I’m dropping my health plan because it does not suit my needs.|
|adjective||suitable||Not every kind of health insurance is suitable for every family.|
|adverb||suitably||The errors on my insurance statement were caught and suitably fixed.|
Part 5 Incomplete Sentences
Choose the word that best completes the sentence.
10. Office policy does not _________leave the office for medical appointments.
11. You should investigate to see if there are any ________to costly hospital stays.
12. It _________me that our company is not willing to look for an alternative to our current health insurance plan.
(A) concern (C) concerns
(B) concerned (D) concerning
13. I’m really pleased that my health plan provider is paying for my gym membership as a way to _________its concern for my health.
14. I __________health insurance as an indispensable job benefit.
15. The employee’s goal is to find her family ______ health coverage.
Part 6 Text Completion
To: All personnel
From: Human Resources Office
Re: Health Insurance
Many of you have expressed an interest in certain (16. _______) health care treatments such as acupuncture and massage. In response to this, we have negotiated a new health insurance (17. _______) with our provider, and benefits now include a discount on visits to acupuncturists, massage therapists, and naturopaths. In order to take advantage of this discount, you need only to present your Insurance card on your first visit to an approved provider. Please be advised that this discount (18. _______) only on visits to providers from the approved list. Please notify this office if you would like a copy of the list of approved alternative health care providers.
(C) is allowed
(D) are allowed
Part 7 Reading Comprehension
Questions 19-23 refer to the following notice.
Did you know that full medical coverage is available to all company employees and their families, regard- less of position or salary? If you need to know more, attend the workshop that will be held in Conference Room 3 next Friday at 11:00. All aspects of our health care policy will be explained. This workshop will be particularly useful to new personnel, although all are welcome. However, you must register to attend. Please contact the Human Resources Office before 5:00 Thursday.
We will go over the various alternative plans avail- able to company employees and discuss what criteria you need to consider in selecting the plan that best suits your needs. We will explain exactly what is covered and what is not under each alternative, and what portion of each doctors visit or treatment that you must pay out of pocket. We will leave time at the end for a question and-answer session to make sure that all your concerns are addressed. This workshop will last two hours.
19. What is the workshop about?
(A) Choosing a doctor.
(B) Health Insurance.
(C) Alternative medicine.
(D) Planning a medical treatment.
20. Who can attend the workshop?
(B) New personnel only.
(C) The Human Resources staff.
(D) Only employees with families.
21. What time will the workshop end?
22. The word suits in the second paragraph, line 4 is closest in meaning to
23. The word concerns in the second paragraph, line 9 is closest in meaning to