Continue the following dialog based on the letter in Activity 17. July 30, 2020 Pakaraya Insurance Company Jl Kesuma no. 24 Medan Mr. Fariz lndrawan Jl Samudra no. 56 Medan Dear Sir: Recently the cost for health care and treatment is very high. That's why joining an insurance company is a good solution for you. If you are going to shop for a health plan, we offer two main categories. They are HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization). It's important to know the differences before you make a decision as to which type of plan you wouldl like to sign up for. An HMO is a type of managed health care program in which all services are provided by the main HMO company, and only doctors who are members can provide you with care. Under an HMO plan, you will be required to select a primary care physician who will be in charge of your health care. All referrals to specialists will be made through this primary doctor, and only to other doctors who are also a part of the HMO. HMO coverage is often more affordable, with lower monthly premiums, lower co-pays, and lower out of pocket costs overall. The downside, however, is that you are limited to the doctors who are members of the HMO, and any doctor you see outside this group will not be covered at all, except in an emergency situation. You will also have to rely on your primary care physician for everything and can't see a specialist without a referral. Meanwhile, A PPO is a health care plan that allows quite a bit more freedom that an HMO can offer. PPO plans don't usually require a referral from a primary care physician in order to see a specialist. You can make an appointment with any doctor you choose at any time, bearing in mind only that you will pay more out of pocket if the doctor is not a participating provider. A PPO plan is usually quire a bit more expensive than an HMO, but gives you much more freedom. Co-pays and co-insurance amounts may be higher, with higher premiums as well. You deserve the peace of mind that a good policy can afford, and so do your loved ones. Why not visit our Web site or give us a call today to discuss your options? There's no obligation to buy. I just want to show you how I can help. Thank you. Sincerely, Marisa Kirana Manager (Adopted from: https://www.myinsuranceletters.com/sample-letters/ (April 10, 2020)) Mrs. Kirana: Good afternoon, Sir. I am Kirana, from Indika Insurance Company Mr. Fariz: Yes, Ma'am. What can I do for you? Mrs. Kirana: I'd like to offer health plans for you and your family. Anyway, have you bought a health plan yet? Mr. Fariz: No, I haven't. Mrs. Kirana: Well,the cost for health care and treatment is very high recently and it is better for you to purchase a health plan. We offer two kinds of health plans and I will tell you the characteristics of each plan. Mr. Fariz: I don't know whether I will buy your health plan or not. Mrs. Kirana: Don't worry, Sir. There is no obligation for you to buy one. I just want to tell you about our insurance. Mr. Fariz: All right. Please tell me. Mrs. Kirana: . Mr. Fariz: . Mrs. Kirana: . Mr. Fariz: . Mrs. Kirana: . Mr. Fariz: . Mrs. Kirana: . Mr. Fariz: . Mrs. Kirana: . Mr. Fariz: .

Question

Continue the following dialog based on the letter in Activity 17.

July 30, 2020
Pakaraya Insurance Company
Jl Kesuma no. 24
Medan

Mr. Fariz lndrawan
Jl Samudra no. 56
Medan

Dear Sir:

Recently the cost for health care and treatment is very high. That's why joining an insurance company is a good solution for you.

If you are going to shop for a health plan, we offer two main categories. They are HMO (Health Maintenance Organization) and PPO (Preferred Provider Organization). It's important to know the differences before you make a decision as to which type of plan you wouldl like to sign up for.

An HMO is a type of managed health care program in which all services are provided by the main HMO company, and only doctors who are members can provide you with care. Under an HMO plan, you will be required to select a primary care physician who will be in charge of your health care. All referrals to specialists will be made through this primary doctor, and only to other doctors who are also a part of the HMO.

HMO coverage is often more affordable, with lower monthly premiums, lower co-pays, and lower out of pocket costs overall. The downside, however, is that you are limited to the doctors who are members of the HMO, and any doctor you see outside this group will not be covered at all, except in an emergency situation. You will also have to rely on your primary care physician for everything and can't see a specialist without a referral.

Meanwhile, A PPO is a health care plan that allows quite a bit more freedom that an HMO can offer. PPO plans don't usually require a referral from a primary care physician in order to see a specialist. You can make an appointment with any doctor you choose at any time, bearing in mind only that you will pay more out of pocket if the doctor is not a participating provider. A PPO plan is usually quire a bit more expensive than an HMO, but gives you much more freedom. Co-pays and co-insurance amounts may be higher, with higher premiums as well.

You deserve the peace of mind that a good policy can afford, and so do your loved ones. Why not visit our Web site or give us a call today to discuss your options? There's no obligation to buy. I just want to show you how I can help.

Thank you.

Sincerely,

Marisa Kirana

Manager

(Adopted from: https://www.myinsuranceletters.com/sample-letters/ (April 10, 2020))

Mrs. Kirana: Good afternoon, Sir. I am Kirana, from Indika Insurance Company

Mr. Fariz: Yes, Ma'am. What can I do for you?

Mrs. Kirana: I'd like to offer health plans for you and your family. Anyway, have you bought a health plan yet?

Mr. Fariz: No, I haven't.

Mrs. Kirana: Well, the cost for health care and treatment is very high recently and it is better for you to purchase a health plan. We offer two kinds of health plans and I will tell you the characteristics of each plan.

Mr. Fariz: I don't know whether I will buy your health plan or not.

Mrs. Kirana: Don't worry, Sir. There is no obligation for you to buy one. I just want to tell you about our insurance.

Mr. Fariz: All right. Please tell me.

Mrs. Kirana: ____.

Mr. Fariz: ____.

Mrs. Kirana: ____.

Mr. Fariz: ____.

Mrs. Kirana: ____.

Mr. Fariz: ____.

Mrs. Kirana: ____.

Mr. Fariz: ____.

Mrs. Kirana: ____.