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High Intermediate - 5.7

1.

copayment OR copay

lacag bixin

the amount you have to pay every time you see a doctor---the insurance company pays the rest once you have met your deductible

EXAMPLE: Every time I see my doctor, I pay a $25 copay. If the visit costs $150, the insurance company pays $125.

2.

cover costs

daboolida kharashaadka

pay for

EXAMPLE: I have a health insurance policy with a $0 deductible. My policy starts covering all my costs immediately. I pay only the copayment, which is $20 per visit.

3.

immediately

isla markiiba

right away

EXAMPLE: If you can see the doctor immediately, you don't have to wait.

4.

deductible

laga jari karo

the amount you have to pay before the insurance company starts paying any money

EXAMPLE: My insurance policy has a high deductible. I have to pay the first $5,000 of my medical expenses. After that, I only have to pay the copay. The insurance company pays the rest.

5.

HMO

ururka dayactirka caafimaadka

one kind of health insurance policy

EXAMPLE: I have an HMO, so I have to use their doctors. I have to choose a doctor from the list they provide.

6.

description

sharraxaad

information that describes something, so you understand it

EXAMPLE: I want to understand my insurance policy. I will read the description carefully.

7.

network

shabakad

a group of people in different places who work together and share information

EXAMPLE: My HMO gave me a list of doctors in their network. I have to choose one of them to be my primary care physician.

8.

premium

lacag joogto ah

the amount of money you pay every month in order to have a health insurance policy

EXAMPLE: The monthly cost of my insurance policy is too high. It is more than I can afford. I will look for a health insurance policy with a lower premium.

9.

access

marin

the right or opportunity to use something

EXAMPLE: When I am sick, I want immediate access to my doctor. Unfortunately, she is very busy, and I usually have to wait a few days for an appointment.

10.

benefits

faaidooyin

good things your insurance policy offers

EXAMPLE: What benefits does your health insurance policy provide? Is it medical only, or does it offer dental benefits also?

11.

expense

kharash

cost

EXAMPLE: People who are sick have high medical expenses. They have to pay for doctors' visits and for medicine. It really helps to have health insurance.

12.

tax-free

canshuur la'aan

you don't have to pay taxes on on this income

EXAMPLE: I put tax-free money into my new health savings account.

13.

health savings account

koontada keydinta caafimaadka

a medical savings account offered by your employer

EXAMPLE: I put $200 every month into my employer's health savings account. I don't have to pay taxes on this income, and I use the money to pay medical expenses.

14.

match an amount

isla doonoo quiimaha

pay the same amount

EXAMPLE: My employer offers to match the amount I put in my health savings account each month. I put $250 in the account and my employer also puts $250 in. This is how I save money to pay my medical expenses.

15.

set up

hab

(verb) to start (an account for saving money)

EXAMPLE: I set up a tax-free health savings account. I can use that money to pay future medical expenses.