In response to your peers, support their position with additional ideas and concepts from the module's readings. Offer a potential challenge that could arise when dealing with claims filing.Private payers are insurance companies that are usually funded by employers or the individual. Private payers cover based on plan. They sometimes may require a prior authorization for a certain procedure or treatment. Private payers also have deductibles patients have to meet and copays that they will have to pay. For a private payer's claim process the provider submits the claim to the insurance company. The insurance company then will review the claim they either approve, deny or request more information. Once the claim is approved the insurance company then pays the provider.$$Public payers are Medicare, Medicaid and the Veterans Administration $($VA$).$ These insurance payers usually cover based on age, income or if you served in the military. Public payers usually cover most services. They may require a copay based on the procedure or treatment. The public payer claims process is a lot like private. The provider will submit the claim to the payer, the payer will review it and either approve, deny or request more information. Once claim is approved the public payer then pays the provider.$$One ethical issue that arises is if the payer denies the care. Due to the cost of a procedure the insurance company may deny it$.$ That then leads to if it is ethical to deny a lifesaving procedure due to the cost. Insurance companies may also deny medications due to the cost which also brings up the question if it is ethical due to a patient needing this medication to survive. Upcoding is an ethical issue. That's where providers code services that are more expensive than what the patient was actually seen for.$$