A client who participates in a health maintenance organization (HMO) needs a bone marrow transplant for the treatment of breast cancer. The client tells the nurse that she is concerned that her HMO may deny her claim. What action by the nurse best addresses the client's need at this time?
Correct Answer: B
Rationale: The correct answer is B: Help the client place a call to the HMO to seek information about limitations of coverage. This is the best action because it directly addresses the client's concern by clarifying the coverage for the bone marrow transplant. By contacting the HMO, the client can get accurate information on whether the transplant is covered and what steps need to be taken for approval. This empowers the client to make informed decisions regarding their healthcare.
Choice A is incorrect because having the healthcare provider write a letter may not directly address the client's concerns about coverage. Choice C is incorrect as contacting a lawyer should be a last resort after exploring other options. Choice D is incorrect as involving the state board of insurance is not necessary at this stage and may escalate the situation unnecessarily.