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If Centre can package a transaction in a way that removes both the most catastrophic outcomes and the most favorable ones , the slice that remains may prove to be secure and profitable for both insurer and insured . Make sure cancellation provisions pertaining to both the insurer and policyholder are fully understood . An insurer and insured can agree to arbitrate a controversy at the present time . Although we must have the moral resolve to consistently place patient welfare ahead of fiscal concerns , we also must have the courage to monitor ourselves and resist the temptation of blaming society , attorneys , bureaucrats , insurers and others for our own moral blemishes . The policy may provide that all or a portion of any indemnities provided by any such policy on account of hospital , nursing , medical , or surgical services may , at the option of the insurer and unless the insured requests otherwise in writing not later than the time of filing proofs of such loss , be paid directly to the hospital or person rendering such services ; but the policy may not require that the service be rendered by a particular hospital or person . The Institute for Business and Home Safety ( IBHS ) collects data from several private insurers and stores it by zip code . Regarding his intentions concerning the proposed surgery , the applicant at one point says the reason the surgery was not done was because of financial circumstances with both the health insurer and the workers compensation insurer refusing to pay for the surgery . Insurers and plans that cover prescription drugs must also provide coverage for any prescribed contraceptive drug or device , for the insertion or removal of such a device , and for any medically necessary examination associated with the use of contraceptives .