If a healthcare insurance calculate a co-payment based on, Financial Management

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If a healthcare insurance calculate a co-payment based on

1. If a healthcare insurance calculate a co-payment based on full prize but then they do a contractual adjustment between healthcare insurance and provider what could finance ethical issues be involved in that situation?

2. You made an investment which will pay you $950 per year for the next 11 years. You can earn 8.2% per year on similar investments. What is the value of this investment if the first payment made to you is NEXT YEAR?

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