Most of today's health care policies combine insurance, i.e., protection against catastrophic expenses, with cost diversion, i.e., pre-paying for routine and preventative health care through a monthly premium. Which of these is an example of cost diversion? a. A health policy covering that covers 100% of the costs of open-heart surgery following a heart attack. b. A health policy that covers 80% of the cost of marriage counseling as a part of mental health benefits. c. A health policy that covers 50% of the cost of hair replacement surgery, offered to combat male pattern baldness. d. A health policy that covers 100% of the cost for an annual medical examination.