I met a young Hmong female doctor.
"Koj MUAJ insurance sav," she said.
"Muaj mas. Kuv twb muab rau koj ne," I said. (She was holding my insurance card.)
"Koj MUAJ insurance na. Kuv pom koj ib daim card MUAJ insurance tom Rice Street na," she said.
"Oh," I said. "Tsis yog kuv os. Nws muaj nws ib tug guy MUAG insurance os. Kuv tsis MUAG."