A:Itseemsyoureallyknowalotaboutinsurance.
J:Well,I'mprettyseriousaboutinsurance.Ihavetwolifeinsurancepoliciesaswellascasualtyandaccidentinsurance.
A:Wow.IonlybuyinsurancewhenI'mforcedto.Ihaveautoinsurance,butthat'srequiredbylaw.
J:Youshouldthinkaboutdoingsomeresearch.Sometimesyoucanfindpoliciesthatareactuallyaprettygoodinvestment.Somepoliciesallowyoutopayforsay,20years,andthenyoucancollectamonthlycheckfromtheinsurancecompany.
Jane说，自己不仅有医疗保险，还有两份人寿保险，lifeinsurancepolicies，和意外伤害保险，casualtyandaccidentinsurance。她建议Andy不妨找找看，因为有时保险也是一种不错的投资，比如说，有些保险付满20年后，就可以每月从保险公司领取一张支票。
A:That'sveryinteresting.Ithinkyoumissedyourcalling!Youshouldhavebeenaninsuranceagent!
J:Actually,IworkedforaninsurancecompanywhenIwasinmy20s.
A:Right...nowonderyou'resoknowledgeable.SowhataboutthingslikebracesformycrookedteethCanIclaimthatfrommycompanypolicy
J:Thiscompanyonlyprovideslimiteddentalcoverage.Ifyoubrokeatoothonthejob,thatwouldbecovered,butthingslikebracesorteeth-whiteningareconsideredcosmeticproceduresandyouhavetopaythelion'sshare.
Andy开玩笑说，Jane应该去卖保险，她真是选错了职业，youmissedyourcalling，calling在这里是职业的意思。Jane说，自己20几岁时确实在保险公司干过，Nowondersheissoknowledgeable（难怪她知道这么多）。ANDY又问，如果是牙齿整形，公司的医疗保险管不管，牙齿不整齐，可以说crookedteeth,牙齿矫形器是braces。Jane说，公司的牙齿保健保险很有限，整形和漂白（teeth-whitening）都属于cosmeticprocedures（美容），大部分钱要由个人出，youhavetopaythelion'sshare.lion'sshare意思是主要部分。
A:SohowshouldIgoaboutfindingoutifthemedicalprocedureIneediscovered
J:Youshouldprobablyspeaktoyourdoctorandgetsomepaperworkdescribingwhatyouneed.Thenyoucantalktotheinsurancecompany.Butremember,someofyourmedicalexpenseswon'tbecoveredandyou'llhavetopaythemyourself.
A:Iunderstand.Thanksabunch.IthinkIunderstandtheprocessbetternow.
Jane建议ANDY先去找医生开证明，然后拿着证明去找保险公司问，这样就知道哪些是保险公司负责的，哪些要自己掏钱了。