看病就医篇：购买健康保险(3)（在线收听）

A: I am calling to purchase health insurance.

B: Do you have health insurance now?

A: I was on my parents’ policy, but I need to start buying my own.

B: You can purchase an HMO or a PPO. Do you know what you want?

A: I don’t know what I want.

B: Let me explain it to you. An HMO is a little cheaper, but you can only choose certain doctors.

A: When I go to the doctor, do I pay the same out-of-pocket expenses for a PPO?

B: The payments are a little lower for an HMO as long as you go to their doctors.

A: How much will a PPO cost me per month?

B: We need to factor in many things. Why don’t you come in, and we will have you fill out a questionnaire.