保险付费 Insurance and Payment

By the end of this module you can…

• Ask for the insurance card, and check it’s current.
• Explain the copay and the deductible in plain words.
• Explain generics simply, and why they are safe.
• Handle “insurance won’t pay”: authorization, alternatives, the cash price.
• Say any price aloud and take payment smoothly.

Key vocabulary

Fourteen words from this module. Tap the speaker to hear each one.

Insurance

• 保险bǎo xiǎnInsurance
• 保险卡bǎo xiǎn kǎInsurance card
• 共付额gòng fù éCopay
• 免赔额miǎn péi éDeductible
• 报销bào xiāoTo be covered, reimbursed
• 预先授权yù xiān shòu quánPrior authorization
• 红蓝卡hóng lán kǎUS Medicare card (patients’ nickname)
• 药品目录yào pǐn mù lùFormulary (covered drug list)

Paying

• 仿制药fǎng zhì yàoGeneric medicine
• 原研药yuán yán yàoBrand-name original
• 价格jià géPrice
• 优惠券yōu huì quànCoupon
• 刷卡shuā kǎTo pay by card
• 现金xiàn jīnCash

Ten core phrases

The lines from this module’s take-home phrase sheet. In the course you can print them on one page for your pocket.

1. 请问您有保险吗？Qǐng wèn nín yǒu bǎo xiǎn ma?Do you have insurance?
2. 请给我看一下您的保险卡，正反面都要。Qǐng gěi wǒ kàn yí xià nín de bǎo xiǎn kǎ, zhèng fǎn miàn dōu yào.Could I see your insurance card, front and back?
3. 保险付大部分，您自己付十块。Bǎo xiǎn fù dà bù fen, nín zì jǐ fù shí kuài.Insurance pays most of it. You pay ten dollars.
4. 这是仿制药，有效成分跟原研药一样。Zhè shì fǎng zhì yào, yǒu xiào chéng fèn gēn yuán yán yào yí yàng.This is the generic, with the same active ingredient as the brand.
5. 保险需要医生先申请批准，我们帮您联系医生。Bǎo xiǎn xū yào yī shēng xiān shēn qǐng pī zhǔn, wǒ men bāng nín lián xì yī shēng.Your plan needs your doctor to request approval first. We’ll contact your doctor.
6. 要不要我帮您找便宜一点的选择？Yào bu yào wǒ bāng nín zhǎo pián yi yì diǎn de xuǎn zé?Shall I look for a cheaper option for you?
7. 先别自己停药，我们一起想办法。Xiān bié zì jǐ tíng yào, wǒ men yì qǐ xiǎng bàn fǎ.Please don’t stop it on your own. Let’s find a way together.
8. 一共十二块五。Yí gòng shí èr kuài wǔ.That’s $12.50 in total.
9. 您刷卡还是付现金？Nín shuā kǎ hái shi fù xiàn jīn?Card or cash?
10. 这是您的收据。Zhè shì nín de shōu jù.Here’s your receipt.

What’s in Module 3

1. Part 1 · Warm-UpWarm-Up: Insurance and Paying
2. Part 2 · The Words for PayingReading the Pinyin · Saying 保险付 vs. Writing 覆盖 · Vocabulary · Flash Cards · How Much Is It?
3. Part 3 · At the RegisterThe Register Script · Explaining the Copay · Key Patterns · Generics in Plain Words · Insurance Cards and Medicare · Questions About Cost
4. Part 4 · When Insurance Says NoInsurance Won’t Pay · Finding a Cheaper Option · Never Let Cost Stop a Medicine
5. Part 5 · Concerns & PayingWhat Customers Say · Paying at the Register · Mail Order, 90 Days and Refunds
6. Part 6 · Role-PlayRound 1 · Guided Conversation · Round 2 · Controlled Practice · Rounds 3, 4 & 5 · Independent
7. Part 7 · Knowledge CheckModule 3 Knowledge Check
8. Part 8 · Wrap-UpModule 3 Homework · Take-Home Phrase Sheet · Module 3 Wrap-Up · 下次见