question 4. please, which one is the correct answer?

MC.09.027 QU In a traditional indemnity (fee-for-service) plan, the: a. lower the deductible, the lower the premium. b. insured receives comprehensive health care services from a designated group of doctors only. c.insurer always pays directly to the health care provider. O d. health care provider contracts with the insured's employee union to provide health insurance benefits. e health care provider and the insurer are separate