What is a key benefit of a 'wellness program' in health insurance?

A key benefit of a wellness program in health insurance is that it encourages healthy behaviors and preventive care to reduce overall healthcare costs. Wellness programs typically include initiatives such as health screenings, fitness challenges, educational workshops, and resources to promote lifestyle changes. By motivating individuals to adopt healthier habits, these programs aim to prevent the onset of chronic diseases and reduce the need for medical interventions, leading to lower costs for both insurers and policyholders.

This proactive approach contrasts with a focus solely on treating existing health issues or restricting provider choices, which can lead to increased healthcare expenses and decreased patient satisfaction. Additionally, wellness programs are designed to improve the health of participants rather than raise insurance premiums, making option B the most beneficial and accurate choice regarding the role of wellness programs in health insurance.