2. Using problem 121, which of the following statements is true? a. Contractual adjustments arise when third party payors (insurance companies, Medicare, or Medicaid) pay a health care organization more than the customary and normal charge for services provided to a patient covered by the insurance or government program. d. Contractual adjustments arise when third party payors (insurance companies, Medicare, or Medicaid) pay a health care organization less than the customary and normal charge for services provided to a patient covered by the insurance or government program