Question: A client's insurance company pays 75% of a client’s therapy fee, while the client is required to pay the remaining 25%. The client asks you to bill the insurance company at a higher hourly rate so that he will not have to pay his 25% co-payment.  If you do so, you will be acting:
A: illegally and unethically.
B: illegally but ethically.
C: legally but unethically.
D: legally and ethically.
Please eliminate two incorrect options first, then think it step by step and choose the most proper one option.