The coordination of benefits provision exists in order to?

The coordination of benefits provision is implemented primarily to ensure that there is no duplication of benefits payments when an individual is covered by multiple health insurance plans. When a person has more than one insurance policy, coordination of benefits helps determine which plan pays first and how the other plans will contribute to the coverage, ensuring that the total benefits paid do not exceed the actual expenses incurred.

This prevents overpayment for claims, which could lead to insurance companies losing money and potentially drive up costs for policyholders. By clarifying how benefits are coordinated between multiple insurers, this provision promotes a more efficient and fair approach to claims processing.

The other choices do relate to health insurance but do not specifically address the primary purpose of the coordination of benefits. Avoiding excessive hospitalization is more related to health management practices, lowering insurance premiums pertains to overall cost management strategies, and maximizing patient care focuses on the quality of service rather than benefit payment coordination. Thus, option A accurately reflects the core intent of the coordination of benefits provision.