Which of the following is NOT a strategy used by insurance companies to attempt to shift the cost of care to patients and protect against moral hazard?
A. Copayments and coinsurance
B. Deductibles, or a dollar amount paid by the insured before insurance begins to pay for the services
C. Premiums
D. Exclusions for such services as cosmetic surgery other than to repair damage from an illness or an accident
Answer: C
Health Professions
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