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Question
As the manager in an insurance company, Emanuel is responsible for reviewing the following two plans that he will offer to the public:
1. Low-deductible, high-premium health insurance plan
2. High-deductible, low-premium health insurance plan
Which plan would someone choose if he or she were concerned that doctors may order too many tests?
a. healthcare plan 1, because patients will first make sure that all tests are necessary when they must pay a substantial portion of the costs
b. healthcare plan 2, because patients will first make sure that all tests are necessary when they must pay a substantial portion of the costs
c. healthcare plan 2, because the insurance company will discourage doctors from ordering too many tests
d. healthcare plan 2, because the threat of malpractice lawsuits will discourage doctors from ordering too many tests
e. neither one, because they would not deal effectively with the problem
Answer
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