Final answer:
The correct option is c.
Health insurance companies see value in second opinions as they can result in more effective and efficient care, potentially reducing costs for both the patient and the insurer.
Step-by-step explanation:
From the health insurance company’s perspective, it is worth it to invest in patients getting a second opinion because it can lead to more effective and efficient medical care. This can result in the potential for lower costs, both for the patient and the insurance provider, particularly if the second opinion prevents unnecessary procedures or suggests less expensive treatment options.
Additionally, with health maintenance organizations (HMOs), providers are reimbursed based on the number of patients they handle, so ensuring that treatments are efficient also aligns with the providers' financial incentives.
Moreover, promoting preventative healthcare and healthy lifestyles can reduce healthcare costs in the long run, which benefits the insurance system as a whole by keeping insured individuals healthier and requiring less medical intervention.