Which of the following is not a red flag for detecting managed health care fraud? Select one: O O a. A low number of emergency room referrals. b. Health care providers who regularly waive co-payments or deductibles. c. An unusual high pattern of referrals to pharmacies, laboratories, or specialty care physicians. O O d. Patients complain about treatments. In April 2005, the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (Section 256) was signed into law. The Act affects any person involved in a bankruptcy proceeding. Which of the following statements is not true concerning the effects of the Act? Select one: a. A person with insufficient assets or income could still file a Chapter 7 bankruptcy, which, if approved by a judge, erases debts entirely after certain assets are forfeited. O b. A state bankruptcy judge determines whether an individual must repay some or all of his/her debt. O c. A person with an income above his/her state's median income will have to pay some or all of his/her credit-card charges, medical bills and other obligations under a court-ordered bankruptcy plan. d. A person in debt will have to work out a repayment plan instead of having his/her obligations erased in bankruptcy court