【正文】 s homes until she was 13 because her mother was unable to look after her.When Frances was 12 she took part in a game of netball. The referee, whose name was Margaret Whitbread, noticed the young girl because she argued with so many of her decisions. A few weeks later they met again at a local sports ground. Frances asked Margaret to show her how to throw the javelin and Margaret soon discovered that although Frances was a difficult child, she was a very promising young athlete.When Frances was 13, the Whitbreads adopted her. Family life suited Frances and as she became bigger and stronger, her javelin throwing improved until she became one of Britain39。 health insurance policies*. If not, many colleges offer their own insurance plans. For example, students at the University of Michigan in Ann Arbor are treated without charge the minor medical problems at the university health center. But the university suggests that students buy its health insurance plan. It costs about 800 dollars a year. The insurance pays [or hospital services, emergency room care and visits to doctors. It also pays for laboratory tests and x rays. And it pays ninety percent of the cost of drugs prescribed by a doctor. The plan does not pay for birth control, care of the teeth or eyeglasses. And it does not pay for preventive care such as injections* that prevent disease.Students at Boston College in Massachusetts are required to have their own health insurance plan or lo buy the college accident and sickness insurance. The college plan costs about 500 dollars a year. It pays for any medical care needed within a/line period. It does not pay for eye glasses, hearing aids*, or dental* treatment.Students can also buy independent insurance policies from insurance panies. The details of such policies are different, depending on where the student lives. Usually, these policies pay for doctor visits, treatment of injuries and hospital costs. Sometimes foreign students do not understand the need for health insurance, especially if they do net need such insurance in their own countries. However, people in the United States are responsible for their own medical costs. These can be extremely high in cases of serious illness or accidents. The purpose of health insurance is to make sure that these costs will be paid for.Exercise A: Listen to the report and plete the following sentences.1. Students at American universities must have health insurance, because health costs in the United States are high.2. Many American colleges have health centers where minor medical problems can be treated.3. The University of Michigan in Ann Arbor offers its health insurance plan that costs about $800 a year.4. Boston College in Massachusetts suggests the students buy the college accident and sickness insurance that costs about $500 a year.Exercise B: Listen to the report again and put a tick beside the item that the insurance pays for and put a cross beside the one that the insurance doesn39。re not likely to be bored.Exercise: Listen to the passage and choose the best answer to each of the following questions.1. C 2. A 3. D 4. B 5. D 6. C 7. B 8. DPassage 2Health Insurance Most fulltime students at American universities must have health insurance. This is because health costs in the United States are high. Colleges are not able to pay the costs if students suffer serious accidents or sickness,Many American colleges have health centers where doctors and nurses treat students39。 you may get wet and catch a cold。 you may be cheated in London。re free! When it39。s certainly no lack of entertainment. The British Theatre is world famous, and offers everything from Shakespeare to West End edy*. There39。s, that er