Context: My sister was inbetween health insurances in her job , and of course , needed emergency gall bladder surgery . The surgeon wanted $ 4000 , they agreed on $ 2000 . She had the surgery , and when she told me the cost , as a Medical Biller I advised her that ins co have fee schedules and would pay between $ 500 and $ 900 depending on the co.
Question: Why do insurance companies pay so little for care ?
Option 0: insurance companies want people to die so wo n't pay much .
Option 1: Insurance companies are n't competent and ca n't pay .
Option 2: Insurance companies are very poor and ca n't pay much .
Option 3: None of the above choices .
Answer: 3