Many employers have a basic medical expense plan plus a supplemental major medical plan rather than a single comprehensive major medical plan. Which of the following is a reason for the use of separate plans? A. Employers can use the same contribution rates for both plans and save more money. B. It is easier to administer and communicate the separate coverages. C. Employers desire the cost savings benefits of offering first-dollar coverage. D. More than one provider of coverage is being used.