Your system of payment practices asks insurers, whether for profit or not-for-profit, to control costs.

Insurance companies limit or exclude various services and reimburse providers based on a reasonable and necessary basis. What are the ethical and legal dilemmas surrounding exclusions and reimbursement systems by third-party payers? What is 1 recommendation that you would have to minimize the ethical and legal dilemmas, while balancing the interests of patients, providers, and third-party payers? 

5 to 6 Paragraphs