Under which circumstance can coinsurance and deductibles be waived?

The correct answer highlights that coinsurance and deductibles can be waived in situations where there is proven financial hardship. This approach is rooted in the need to ensure that individuals who may be unable to afford necessary medical care due to financial constraints can still access services without further financial burden.

Healthcare providers are often encouraged to be sensitive to the economic challenges faced by patients, and the ability to waive these costs can help facilitate access to care. By demonstrating financial hardship, patients can potentially qualify for assistance programs that allow for these financial obligations to be reduced or eliminated. This practice aligns with the ethical consideration of providing care to those in need and ensuring that financial barriers do not prevent individuals from receiving necessary medical treatment.

On the other hand, waiving coinsurance and deductibles is typically not permissible for any federal payor, as this could violate regulations meant to maintain the integrity of the reimbursement system. Similarly, waiving these amounts during the admission process or after payment to a third party does not address the fundamental reason for waiving – ensuring access based on financial need. In summary, the correct option addresses the ethical and practical considerations of healthcare access in the context of a patient's financial situation, aligning service provision with the principles of compliance and compassion in healthcare.