팟캐스트 영어회화 Day3-10/26(수)
NPR Podcast Life KIt 팟캐스트 영어 단어정리
contractual agreement 계약된 합의 사항, 계약서 상의 합의사항
in exchange for ~대신, 교환으로
loosey-goosey 느긋한, 느슨한
now more than ever 그 어느때보다
be a burden to[on, for] …의 부담이 되다, …에게 수고를 끼치다
+) It seems like quite a burden to put on the operator.
운영자에게 부담을 주는 것은 꽤 부담스러워 보인다.
+) It's a ridiculous burden to put on business, particularly small business.
사업, 특히 소규모 사업에 지우는 것은 터무니없는 부담이다.
be caught in the middle 중간[사이, 가운데]에 끼다, 샌드위치 신세가 되다; 모호한 상태에 빠지다
supplement 보충[추가]하다
liaison [liˈeɪzɑːn; ˈliəzɑːn] (두 집단, 조직 간의) 연락 담당자
itemized 항목별로 구분한
on the spot 즉각[즉석에서], (일이 벌어지는) 현장에서, (이리저리 옮기지 않고) 제자리[한 자리]에서
+) He answered the question on the spot.
그는 그 질문에 즉각 대답했다.
+) An ambulance was on the spot within minutes.
구급차 한 대가 곧 현장에 나타났다.
+) put somebody on the spot (곤란한 질문으로) ~를 곤혹스럽게 만들다
+) The interviewer’s questions really put him on the spot.
인터뷰 진행자의 질문은 그를 정말 곤혹스럽게 만들었다.
readily[ˈredɪli] 손쉽게, 선뜻
Learn how to file a claim
If you see a doctor or go to a clinic that doesn't bill your insurance for you, you may have to pay the whole cost at the time of your appointment and file a claim afterward so that your insurance pays you back for at least part of it.
When you're paying out-of-pocket, ask for an itemized receipt you can use to file an insurance claim. Before you leave the doctor's office, ask them to print one out for you with the information you need, such as the date of service and the diagnosis code.
Then, you'll need an insurance claims form. Rochester suggests calling your insurance company to ask for the right claims form – even if you think you've found it online – just to be sure.
Once you get the correct claims form for your plan, fill out all the information except the signature and date fields, then make copies or scan it. After that, whenever you need to file a claim, all you need to do is sign it, date it and stick it in the mail (or scan and email it) with your itemized receipt you got from your doctor.
In some states, after your insurer gets your claim, they have to process it – and pay you or your provider – within a certain time frame, like 30 days. You can look on your state insurance department website for information about your state's "prompt pay" laws.
Don't miss out on perks
We have to juggle so much just to get – and understand –basic health coverage in the U.S. But despite all of the financial and logistical headaches that come with navigating health insurance in this country, your insurance plan might also come with some nice perks.
Want to take zumba classes? Your insurer might offer discounts if you get a local gym membership. It could also offer discounts on services that improve your quality of life, like LASIK surgery or massages. You might be able to save money on prescription drugs by using your insurer's preferred pharmacy, or by shopping around on your insurer's website for different providers or facilities for the care that you need.
If thinking about your health insurance makes you groan, you're not the only one. But Rochester suggests framing it this way: "Your health insurance plan is a tool for you to maximize your health, but you can only do that if you utilize it fully, and you can only do that if you take the time to explore and to have a clear understanding of your plan and the benefits that it offers."
6 tips to help you get the most out of your health insurance plan
6 tips to help you get the most out of your health insurance plan : Life Kit
Using your health insurance doesn't have to be on an "in-case-of-emergency" basis. Learn how to make the most of your coverage by taking advantage of preventative care, strategically timing procedures and getting exercise classes covered.
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