The Nurse Is Asked by a Patient,"Why Is It Necessary

The nurse is asked by a patient,"Why is it necessary to have deductibles and copayments when I already have health insurance?" The best response would be

A) "They are a way to improve the margin of profit in the fee-for-service method of paying for health care."
B) "They prevent health care agencies from having huge deficits associated with uncompensated care."
C) "They were developed to save health care dollars at the time Medicare introduced DRGs."
D) "They are part of the incremental changes designed to provide more universal care."