Real, everyday American English — The Doctor, the Copay and the Insurance Card (Part 2). You hear 40 phrases Americans actually use, each spoken clearly with a natural-speed repeat, the stressed syllable marked, and a short note on when to use it. Then take the matching quiz. Phrases in this episode (CAPITALS = the beat): Should I wait here? [shuud eye WAYT HEER?] Can I pay the copay now? [kun eye PAY thuh KOH-pay NOW?] Can I get a receipt? [kun eye GET uh ruh-SEET?] Do you need the back of the card too? [duh yuh NEED thuh BAK uv thuh KAHRD TOO?] Do you have my records from my old doctor? [duh yuh HAV my REH-kurdz frum my OHLD DAHK-tur?] Take a seat and we'll call you. [TAYK uh SEET un weel KAWL yuh.] What's my copay? [wuts my KOH-pay?] Is this covered? [iz this KUH-vurd?] Is she in network? [iz shee in NET-wurk?] He's out of network. [heez OW-duv NET-wurk.] I haven't met my deductible yet. [eye HAV-unt MET my dih-DUK-tuh-bul YET.] My deductible resets in January. [my dih-DUK-tuh-bul ree-SETS in JAN-yoo-eh-ree.] How much is my premium? [HOW MUCH iz my PREE-mee-um?] It comes out of my paycheck. [it kumz OW-duv my PAY-chek.] What's my out-of-pocket max? [wuts my OW-duv-PAH-kit MAKS?] Do I need a referral for that? [duh eye NEED uh ruh-FUR-ul fur THAT?] Can you run my insurance? [kun yuh RUN my in-SHOOR-unts?] My insurance changed. [my in-SHOOR-unts CHAYNJD.] I'm on my husband's plan. [eyem AHN my HUZ-bundz PLAN.] I get insurance through work. [eye GET in-SHOOR-unts throo WURK.] I'm on a marketplace plan. [eyem AHN uh MAHR-kit-plays PLAN.] Can you check my benefits? [kun yuh CHEK my BEH-nuh-fits?] What's the coinsurance? [wuts thuh KOH-in-SHOOR-unts?] Do I pay today, or will you bill me? [duh eye PAY tuh-DAY, ur wil yuh BIL mee?] I don't have insurance. [eye DOHNT hav in-SHOOR-unts.] What's the cash price? [wuts thuh KASH PRYS?] Is there a self-pay discount? [iz thair uh SELF-PAY DIS-kownt?] …and more in the episode