<?xml version="1.0" encoding="utf-8"?>
<catalog>
<media id="1">
	<passage mp3="AUDIO_REPOS/90005.mp3" title="">
		<![CDATA[
			<div id="passage"></div>
		]]>
	</passage>
	<distractors>
		<distractor><![CDATA[concerns]]></distractor>
		<distractor><![CDATA[personnel]]></distractor>
		<distractor><![CDATA[policy]]></distractor>
		<distractor><![CDATA[portion]]></distractor>
		<distractor><![CDATA[salary]]></distractor>
		<distractor><![CDATA[allow]]></distractor>
		<distractor><![CDATA[suitable]]></distractor>
		<distractor><![CDATA[emphasize]]></distractor>
		<distractor><![CDATA[alternatives]]></distractor>
		<distractor><![CDATA[regardless]]></distractor>
		<distractor><![CDATA[aspect]]></distractor>
		<distractor><![CDATA[incurs]]></distractor>
		<distractor><![CDATA[The cost and availability of health insurance is one of the greatest concerns of company personnel.]]></distractor>
		<distractor><![CDATA[A covered employee should be familiar with the terms and conditions of the insurance policy.]]></distractor>
		<distractor><![CDATA[Although the insured pays a portion of the cost of his or her coverage through salary deductions, the employer generally covers most of the cost.]]></distractor>
		<distractor><![CDATA[Self-employed persons can arrange for their own insurance or join an association of those performing similar work in order to get lower premiums.]]></distractor>
		<distractor><![CDATA[Traditionally, the insurance carrier will allow most of the charges related to medical care, although the insured might be responsible for a small portion.]]></distractor>
		<distractor><![CDATA[Although the company or association negotiates the most suitable terms they can, most experts emphasize that employees should be on the lookout for alternatives that might better suit their needs.]]></distractor>
		<distractor><![CDATA[ regardless of the cost of premiums, the most important aspect of good health insurance is that it meets the needs of the insured and incurs the least possible cost for necessary procedures.]]></distractor>
	</distractors>
	<video mode="embed"><![CDATA[]]></video>
	<answerbank words_per_row="5">
</answerbank>
</media>
</catalog>