EMILY: I want to ask you about something. ANNA: Yes? EMILY: My colleagues at work say I should get health insurance. What do you think? ANNA: I think it's important. I can give you my insurance agent's card if you want. EMILY: But I'm not sure what kind I need. In Taiwan, we have a national insurance program. But here you have nothing. ANNA: Yes, I know. Many countries have national health insurance. America doesn't. EMILY: Why is that? ANNA: Well, it's because of American culture. Most Americans think the government should be small. That means the government should not be in charge of everything. Americans think private companies can do things better than the government can. So we depend on private companies for insurance. EMILY: But isn't that expensive? I mean, what about poor people? Can they afford insurance too? ANNA: You're right, Emily. It is expensive. And many people criticize the American way. They say it is not fair to poor people. They say the health systems are better in other countries. Especially in Europe. EMILY: But what do you think? ANNA: I don't know. I just do my best to have good insurance. It's important. EMILY: It's confusing, though. There are so many companies. And so many different kinds of insurance. What should I get? ANNA: I like the company I have now. So I recommend them. What you need to decide is what kind of coverage you want. EMILY: Coverage? ANNA: Yes. Coverage means what the insurance will cover. For example, maybe you plan to have a baby. Then you should choose an insurance that covers pregnancy. Otherwise, you shouldn't pay for pregnancy coverage. Do you understand? EMILY: Yes. So I need to talk to the agent. ANNA: That's right. Would you like the number? EMILY: Alright. ANNA: My agent is Bonnie Smith. She is really helpful. I am confident she can answer your quest
