Which of the following best describes what insurance companies did to

Which of the following best describes what insurance companies did to decrease their constantly increasing costs? (Select all that apply.)

a. Did not cover any illnesses that were diagnosed before the person (or his or her employer) purchased insurance
b. Limited coverage to only certain services, eliminating any that were experimental, nontraditional, or too costly
c. Reimbursed only the care that was requested by the patient’s primary physician
d. Limited providing insurance to companies who hired mainly young, healthy persons
e. Required preapproval before expensive services were used
f.
Ceased coverage on any person who used an exorbitant number of services, whenever possible

ESSAYBID ANSWER

ANS: A, B, C, E, F
Insurance companies attempted to reduce unnecessary use by limiting coverage for certain services and people. Restrictions such as the establishment of a gatekeeper that required preauthorization, limited coverage for preexisting illnesses, and exclusion of participants whose use was deemed exorbitant were instituted. Such restrictions increased resentment and resistance and were not very successful.