Rupert participates in his employer's group benefits programthat reimburses him 90% under his extended healthcare plan. Sasha, his spouse, also participates in her employer's group health plan that reimburses her 70%. Rupert and Sasha submit their family medical receipts to both employers' group plans. How do the benefit companies prevent overpayment to Rupert and Sasha?
a)by applying deductibles
b)by applying coordination of benefits
c)by applying a coinsurance factor
d)by applying a needs analysis