Because Consumers Who Have Insurance Provided by Their Employers Usually

Because consumers who have insurance provided by their employers usually only pay a deductible for a visit to the doctor's office,

A) employers have more incentive to allow employees time off for doctor visits.
B) doctors have less incentive to control their costs.
C) insurance companies have more incentive to approve medical procedures for their policy holders.
D) consumers have less incentive to visit the doctor's office on a more frequent basis.