Answer:
d. structural
Step-by-step explanation:
structural barriers are the barriers that falls in the path of the functioning of a work for which the person has no control over it. The environment and situations falls under this barrier.
In the given situation, the barriers that Joyce has to suffer are confusion about the treatment options and the acceptance of her insurance by them. These barriers are termed as structural barriers that has arose in the path of Joyce's treatment. She has no control over these barriers as they have arose out of the environment.