Final answer:
The claim statement is true: providers must submit claims for patients, who are typically not responsible for filing their own claims. Providers are not required to accept assignment for all claims, with exceptions for mandated claims. This aligns with fee-for-service and HMO healthcare models, which also must consider the impact of adverse selection in insurance markets.
Step-by-step explanation:
The statement addresses the claims filing requirement within the healthcare system. It is true that in a fee-for-service health financing system, medical care providers are reimbursed for the cost of the services they provide. They must complete and submit claims for beneficiaries, who should not be asked to file their own claims. Moreover, this requirement applies to all suppliers who provide covered services. However, it is also true that providers are not mandated to accept assignment for all claims, unless specified under the category of mandated claims. Health Maintenance Organizations (HMOs) offer a different approach, where reimbursement is based on the patient population managed rather than individual services, effectively altering the allocation of resources. The concept of adverse selection is critical in insurance markets, where knowledge asymmetry can lead to market imbalances, with high-risk consumers more likely to opt into plans while low-risk ones opt out, perceiving them as too costly.