American healthcare system

Understanding the “American healthcare system” is crucial for ESL learners, like yourself, especially if you plan to immigrate. Unlike some countries, the US relies heavily on private health insurance, which can be complex and confusing. Knowing key terms is essential. Today’s vocabulary will not only help you have a better understanding of these key terms, but also empower you to take charge of your health and well-being in the US. Let’s jump right in!

In today’s lesson, you’re going to have:

• 5 advanced English vocabulary words about American healthcare system.

• 15 examples of phrases that you can use on a daily basis.

• Eye-catching images will help you learn and retain the vocabulary.

1. Insurance

📚 DEFINITION

A contract that provides financial protection or reimbursement against specified risks, such as medical expenses.

📄 Example Sentences:

1. Many Americans rely on health insurance to cover the costs of doctor visits and hospital stays.

2. Choosing the right insurance plan can be daunting due to the variety of options available.

3. Without insurance, paying for necessary medical treatments can be financially burdensome.

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2. Coverage

📚 DEFINITION

The extent to which a policyholder's healthcare benefits provide financial protection against medical expenses.

📄 Example Sentences:

1. The new healthcare plan offers comprehensive coverage for preventive care and prescription drugs.

2. Understanding the details of your insurance coverage can help you avoid unexpected medical bills.

3. Some insurance policies have limited coverage for certain procedures, requiring patients to pay out of pocket.

3. Premium

📚 DEFINITION

The amount of money an individual or employer pays to an insurance company for health coverage, usually monthly or annually.

📄 Example Sentences:

1. She found a health insurance plan with low premiums but high deductibles.

2. Rising healthcare costs have led to increases in premium rates across the country.

3. Employer-sponsored plans often subsidize a portion of the premium for employees.

4. Deductible

📚 DEFINITION

The amount of money a policyholder must pay out of pocket for healthcare services before their insurance coverage begins to pay.

📄 Example Sentences:

1. High-deductible health plans are popular among younger adults seeking lower monthly premiums.

2. Her insurance policy had a deductible of $1,000, which she needed to meet before coverage for hospitalizations kicked in.

3. Understanding your deductible is crucial to managing healthcare expenses effectively.

5. Copayment

📚 DEFINITION

A fixed amount that a patient pays for covered healthcare services at the time of receiving care, typically specified in their insurance plan.

📄 Example Sentences:

1. The doctor's office requires a copayment of $25 for each office visit.

2. Prescription drugs may have different copayment amounts depending on their tier in the insurance formulary.

3. Some insurance plans waive copayments for preventive care services like annual check-ups.

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Only $1/month

✔️ Audio file version for each vocabulary
✔️ 25+ English PDFs each month

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