The nurse educator is teaching a group of nursing students about the methods that are used by insurance companies to ration healthcare resources. Which method does the educator include in the teaching session regarding this topic?
A) Denying coverage for services not supported by research
B) Covering clients for preexisting conditions only
C) Providing self-care allowances for covered individuals
D) Increasing healthcare costs through organ donation
Answer: A
Rationing is one means of allocating healthcare resources. Rationing is a method used by individuals, insurance companies, and the government to prevent increases in the cost of health care or to reduce the cost of health care. Individuals ration when they decide to provide self-care for an illness or injury rather than seeking care from a healthcare provider. Methods used by insurance companies to ration healthcare resources include noncoverage (e.g., noncoverage of preexisting conditions for up to a year after enrollment) and denial of coverage for services (e.g., services deemed to be experimental or those that are not supported by scientific evidence that proves their efficacy).
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