Insurance coverage of which treatment would likely cause the most problems with moral hazard?

Question

Quizplus · Accepted Answer

Allergy medicine is more likely to cause problems with moral hazard because it is a treatment for a common and often non-severe condition. This means individuals might overuse or misuse the insurance coverage for such treatments, knowing they are covered, which can lead to increased costs for insurance providers without necessarily improving health outcomes. Other options like emergency services, surgeries, screenings, and intensive care units are less prone to moral hazard due to their necessity, severity, and the inability of individuals to predict their need for such services.

Insurance Coverage of Which Treatment Would Likely Cause the Most