I would say b. c. & d. because the question is asking how to stay safe before, not during.
Answer:
Precertification
Explanation:
For managed care organizations to pay for medical services, precertification needs to be done. Precertification involves proving to the medical insurance company that a service is medically necessary. After precertification, the insurance company would determine if the service is a covered service before payment is made.
Precertification is taken by the insurer to provide the insurance company with procedures and/or services and diagnosis.
