UNIT 6: HEALTH INSURANCE I NEW WORDS Availability (n) /əˌveɪləˈbɪləti/ tính sẵn sàng để dùng, tính dùng Challenge (n) /ˈtʃæləndʒ/ thách thức Comprehensive (adj) /ˌkɒmprɪˈhensɪv/ bao hàm toàn diện Creditor (n) / ˈkredɪtə/ người chủ nợ, người cho vay Enroll (v) /ɪnˈrəʊl/ kết nạp vào, ghi tên cho vào (hội…) Excessive (adj) /ik´sesiv/ mức, thừa Foundation (n) /faun'dei∫n/sự thành lập, sáng lập, thiết lập Implementation (n) /,implimen'teiʃn/ thi hành, thực đầy đủ Indeed (adv) /ɪnˈdid/ thực vậy, thực mà, thực Inheritance (n) /in'heritəns/ thừa kế, gia tài, di sản Maintenance (n) /´meintənəns/ trì, bảo vệ Necessity (n) /ni´sesiti/ cần thiết, điều tất yếu Obstacles (n) /'ɔbstəklz/ cản trở, trở ngại II Reading comprenhensive HEALTH INSURANCE – AN INTRODUCTION Health is wealth Is that true? Of course, everyone wants to be healthy and this is why we say health is the greatest wealth in the world Apart from a balanced meal, exercise, and so on, we need to have a health insurance to be in good health Health insurance is, basically, a promise by an insurance company or health plan to provide or pay for health care services in exchange for payment of premiums.  Insurance policy has started since the 18th century However, at that time, had Accident Insurance The first accident insurance company was we Franklin Health Assurance Company of Massachusetts which was founded in the year 1850 This insurance was mainly offered because at that time there were a lot of accidents and injuries due to railroad and steamboat Accident insurance agencies soon started sky rocketing It was indeed very successful People had started realising how important insurance is In the year 1866, there were around sixty accident insurance companies w were set up and ultimately, the number of insurance companies kept on mushrooming Health insurance was proposed by Hugh the Elder Chamberlen in 1964 A health insurance is a contract renewable either monthly or yearly between the insurance company and the person The Insurance Company will provide you with a quotation of the insurance company In the quotation, you will the term of policy, that is how long are you covered with the health insurance The duration of the health insurance will depend on the age of the insurance holder If he is young, the insurance company may advise him to take a long term health insurance and if the person is old it might be the contrary Apart from age, there are other factors like health and income which are taken into consideration when quoting a health insurance companies also a medical checkup before provide a health insurance policy In the quote, you will also find how much you have to pay on a monthly or a yearly basis The health insurance quotation all consists of all the benefits which it covers Certain health insurance covers the insurer 100% but certain not There are several conditions which are applied Different amount is paid in case of natural death, accidental death, loss of one limb or two limbs or in case of permanent disability There are mainly four different types of are namely: Fee-for-Service Plans Health Maintenance organizations (HMOs) Point-of-Service Plans (POS) Preferred Provider Organizations (PPOs) These four different types of insurance may have different names however their goal is to provide medical care to people Fee-for-service plan is the more affordable plan However it has got some limitations Preferred Provider Organization has got more options; however, this is the most expensive It is up to you to decide which type of insurance is the best and which one you would like to purchase To get a better medical care, it is very important to have a good health insurance plan You have health insurance companies all around your country; however, you have to decide which one is the best and will provide you with the best medical facilities You can have health insurance quotes of different companies online You can compare the price as well as the medical benefits which are provided by the health insurance company on the intemet along with its quote Since health insurance has now become a necessity, not waste time, get connected to the internet, compare prices and benefits and purchase a good health insurance Comprehension question How is the term “health insurance’’ defined according to the text? Why did accident insurance become importance in the 18th century? What does phrase “sky rocketing’’ mean according to the text? What specifications does the quotation of the insurance company offer you? Under what cricumstances can someone be offered health insurance coverage? What common purposes are different types of health insurance aimed at? 13 No restaurant in the city is better than that one That restaurant is… 15 My kitchen is smaller than your My kitchen is… 17 He drives more carefully than he used to He doesn’t drive … Answer B: Drilling exercise No one in the team is better at tennis than Jane The train doesn’t take as short as the bus My mother cooks better than me My mother is better cook than I I can’t run as fast as him He is Have you got any cheaper carpet than this ? Hoa can’t cook as well as Lan Hoa is worse cook than Lan Apples aren’t usually as expensive as oranges This is the most delecious cake I have eaten I have never eat any cake better than this No one is tallest girl than Pat in her class 10 She thought that Pome was better than Paris 11 I don’t know about it as much as she does 12 India is the most country I’d like to visit in the word 13 That restaurant is the best in the city 14.Your kitchen is bigger than mine My kitchen is not as big as yours 15 He doesn’t drive as careless as he used to Ex 1: Match each word in column A with its definition in column B A B Beneficiaries a Transfer of rights under an insuarance policy to another person or business For example, to secure a debt, it is not uncommon for the policy owner to transfer to the credior his rights to borrow on the cash value Adjustable prerium b Time when an insurance policy goes into effect From that day forward, the insured party is covered by the contract Free Look Period c Individuad who will receive an inheritance upon the death of another The proceeds of an insurance policy may be in the form of a lump-sum or annuity Broker d That can vary up or down Some life insurance policies permit the company to change the premiums after the policy is in force, depending on mortality experience, expenses, and investment returns Reinstatement e The cancellation of a lease by mutual consent of the lesser and the lessee A B Assignment f Right, in most states, of an insured to have 10 days in which to examine an insurance policy, and if not satisfied, to return it to the company for a full refund of the initial premium Effective Date g That reached its expiration date without being exercised and is thus without value Surrender h In insurance, the restoration of coverage after a policy has lapsed because premium payments have not been made in insurance, the restoration of coverage after a policy has lapsed because premium payments have not been made Lapsed i Insurance purchased from an insurance company that has been licensed in the state in which the policy is purchased 10 Admitted insurance j Person who finds the best insurance deal for a client and then sells thepolicy to the client Answer exercise 1–c 2–d 3–f 4–j 5–h 6–a 7–b 8–e 9–g 10 – i Exercise 2: use the suitable words from the box to fill in the gaps Compulsory number popularization challenge Steadily Introductes access inconsistencies become previously developed Increased Vietnam faces great challenges in achieving universal health insurance by 2014 health insurance as first (1)………… In the country over 15 years ago, and the rate of the population with insurance has increased (2)……….over the years There are various types of health insurance in Viet Nam, such as compulsory insurance, voluntary insurance, insurance for poor people Increases in the (3)………… of health care centres and range of health services for communities has also contributed to the development and (4)……………of health care and health insurance However, there are a variety of reasons and obstacles that have limited the expansion of health insurance usage to the whole population Many business and enterprises have not bought health insurance for their workers, despite Government regulations making it (5)……… There are also problems in the implementation of health insurance due to (6)……… and lack of comprehensive guiding documents, especially when it comes to hospital fee policies or the organisation of local health care systems Despite greater (7)………….to care in many areas, the availability of health care services is also still limited in remote and rural areas, which means fewer health insurance users in those areas According to a 2008 World Bank report on Financing and Supplying Health Services in Viet Nam, the country’s health insurance system is facing three main (8)………… : expanding the usage to wider population, developing the services to reduce the people’s own expenses and cutting down other expenses Answer ex 2: (1) (2) (3) (4) (5) (6) (7) (8) - introduced steadily number popularization compulrory inconsistencies access challenges Ex3: complete the text with the correct form of the word s in brackets The first insurance plans began during the Civil War (18611865).  The first group policy giving (1)………….(comprehension) benefits was offered by Massachusetts Health Insurance of Boston in 1847 Insurance companies issued the first individual (2)…… (disable) and illness policies in about 1890  Several large life insurance companies entered the health insurance field in the 1930’s and 1940’s as the (3) ……… (popular) of health insurance increased In 1932 nonprofit organizations called Blue Cross or Blue Shield first offered group health plans Blue Cross and Blue Shield Plans were successful because they involved discounted contracts(4)……… ( negotiate) with doctors and hospitals.  In return for promises of increased volume and prompt payment, (5) …………(provide) gave discounts to the Blue Cross and Shield plans Government programs to cover health care costs began to expand during the 1950s and 1960s Disability benefits were included in social security (6)………(cover) for the first time in 1954 When the government created Medicare and Medicaid programs in 1965, private sources still paid 75 percent of all of the health care costs By 1995, individuals and companies only paid for about half of the health care with the government (7)………… (responsibility) for the other half.    During the 1980’s and 1990’s, the cost of health care rose rapidly and the (8)…… (major) of employer-sponsored group insurance plans switched from “fee-for-service” plans to the cheaper “managed care plans.”  As a result, most Americans with health insurance were enrolled in managed care plans by the mid-1990s Answer exercise - Comprehensive - Disalility - Popularity - Negotiated - Providers - Coverage - Reponsibility - Majority IV Translation In 1993 President Bill Clinton presented to the U.S congress a health care reform plan that would have guaranteed health insurance for all Americans Congressional leader opposed the plan as it was too expensive and excessively regulated Congress also passed the Health Insurance Portability and Accountability Act in 1996 This protected individuals from losing their health insurance when they moved from on job to another or became self-employed Unfortunately, it did not ensure the overall quality or comprehensivess of insurance offered by employers The bush administration and congress have pledge to reform health care but even the proposals have been delayed by more urgent financial concerns and issues related to Iraq It is unlikely that the Federal Government will change the foundation of the current system anytime soon It would be wise for all people to check their insurance benefits, make sure that their policies serve their needs, and simultaneously shop for the best plans as they also try to select the best doctors [...]... people’s own expenses and cutting down other expenses Answer ex 2: (1) (2) (3) (4) (5) (6) (7) (8) - introduced steadily number popularization compulrory inconsistencies access challenges Ex3: complete the text with the correct form of the word s in brackets The first insurance plans began during the Civil War (1 861 1 865 ).  The first group policy giving (1)………….(comprehension) benefits was offered by Massachusetts... the Blue Cross and Shield plans Government programs to cover health care costs began to expand during the 1950s and 1 960 s Disability benefits were included in social security (6) ………(cover) for the first time in 1954 When the government created Medicare and Medicaid programs in 1 965 , private sources still paid 75 percent of all of the health care costs By 1995, individuals and companies only paid for... - Providers 6 - Coverage 7 - Reponsibility 8 - Majority IV Translation In 1993 President Bill Clinton presented to the U.S congress a health care reform plan that would have guaranteed health insurance for all Americans Congressional leader opposed the plan as it was too expensive and excessively regulated Congress also passed the Health Insurance Portability and Accountability Act in 19 96 This protected... in the state in which the policy is purchased 10 Admitted insurance j Person who finds the best insurance deal for a client and then sells thepolicy to the client Answer exercise 1 1–c 2–d 3–f 4–j 5–h 6 a 7–b 8–e 9–g 10 – i Exercise 2: use the suitable words from the box to fill in the gaps Compulsory number popularization challenge Steadily Introductes access inconsistencies become previously developed... types of health insurance in Viet Nam, such as compulsory insurance, voluntary insurance, insurance for poor people Increases in the (3)………… of health care centres and range of health services for communities has also contributed to the development and (4)……………of health care and health insurance However, there are a variety of reasons and obstacles that have limited the expansion of health insurance... Many business and enterprises have not bought health insurance for their workers, despite Government regulations making it (5)……… There are also problems in the implementation of health insurance due to (6) ……… and lack of comprehensive guiding documents, especially when it comes to hospital fee policies or the organisation of local health care systems Despite greater (7)………….to care in many areas, the... monthly or a yearly basis 5 Under what cricumstances can someone be offered health insurance coverage? .Natural death, accidental death, loss of one limb or two limbs or in case of permanent disability 6 What common purposes are different types of health insurance aimed at? .Their comon purposes is to provide medical care to people III Garammar constructions used for comparing adjectives A Review:... than Jane 2 The train doesn’t take as short as the bus 3 My mother cooks better than me My mother is better cook than I 4 I can’t run as fast as him He is 5 Have you got any cheaper carpet than this ? 6 Hoa can’t cook as well as Lan Hoa is worse cook than Lan 7 Apples aren’t usually as expensive as oranges 8 This is the most delecious cake I have eaten I have never eat any cake better than this 9 No... premiums after the policy is in force, depending on mortality experience, expenses, and investment returns 5 Reinstatement e The cancellation of a lease by mutual consent of the lesser and the lessee A B 6 Assignment f Right, in most states, of an insured to have 10 days in which to examine an insurance policy, and if not satisfied, to return it to the company for a full refund of the initial premium 7 ... the 1950s and 1 960 s Disability benefits were included in social security (6) ………(cover) for the first time in 1954 When the government created Medicare and Medicaid programs in 1 965 , private sources... correct form of the word s in brackets The first insurance plans began during the Civil War (1 861 1 865 ).  The first group policy giving (1)………….(comprehension) benefits was offered by Massachusetts... was indeed very successful People had started realising how important insurance is In the year 1 866 , there were around sixty accident insurance companies w were set up and ultimately, the number