【答案解析】looking for | that would be me | inquire about | consulted our | pretty straightforward | a few items that I find slightly baffling | full dental plan coverage | in light of the fact that | plaque removal and fluoride treatment | that goes upwards to | the severity of the cavity | incidental costs in flail | on my dental plan alone | twice a year or so for a regular visit | accumulate | so much up front | takes into account major restorative | crown moldings | surgical treatments fully | That"s hardly fair though | That"s outrageous | opt out of the plan | incur any expenses | What if I have a foreign | make an exemption | cover high costs | if it"s acceptable | Drop by [听力原文]

Student: Hello, I"m looking for the personnel manager.
Personnel Manager: Hi, that would be me. How may I help you?
Student: I"m just here to inquire about your health insurance policy.
Personnel Manager: I see, have you consulted our student manual? The explanations there are pretty straightforward.
Student: I have indeed, but there are a few items that I find slightly baffling, such as you requiring that all students have full dental plan coverage.
Personnel Manager: That"s right, in light of the fact that in the USA dental expenses are quite high. I mean you"re looking at $100 for simple plaque removal and fluoride treatment. If you want fillings, that goes upwards to some $250, depending on the severity of the cavity. Our health insurance covers all such incidental costs in flail.
Student: I see, but my point is, I"m paying $85 monthly on my dental plan alone. I"m not having cleanings and fillings done that many times. In fact, I only see my dentist like twice a year or so for a regular visit. Why should I pay that much overall?
Personnel Manager: Well, first consider that all those payments accumulate, so when eventually you do get more expensive treatments, you"re covered and don"t have to pay so much up front. Secondly, our plan takes into account major restorative work that might be needed at some point, like crown moldings and the like. Even braces...
Student: How much is that covered? 100%?
Personnel Manager: No university, or company for that matter, ever covers restorative or surgical treatments fully. But our institution provides 50% of all expenses.
Student: That"s hardly fair though, I mean I rarely go to the dentist as it is yet you can"t even insure flail coverage for when I do. That"s outrageous!
Personnel Manager: It"s standard procedure...
Student: Can I opt out of the plan?
Personnel Manager: We can"t do that, all of our students need to be insured to make sure they do not incur any expenses that might prevent them from advancing their tuition fee.
Student: What if I have a foreign insurance policy?
Personnel Manager: It depends on who the insurance provider is. We might make an exemption if we feel the insurer is a reputable company that can cover high costs.
Student: I"ll bring you my insurance policy then, you might get a look at it and tell me if it"s acceptable.
Personnel Manager: I can do that. Drop by tomorrow before noon and I"ll see what I can do.
Student: Thank you. I"ll do that.
Personnel Manager: You"re welcome. See you then.