All Care To You (ACTY), on behalf of our client health care professionals, affirms that it encourages appropriate utilization based on the medical necessity of all members and discourages under-utilization of services. UM decision making is based only on appropriateness of care and services and existence of coverage.  ACTY does not reward health care professionals for issuing denials of coverage or service care. Providers and practitioners are not prohibited from acting on behalf of the member.  Physicians cannot be penalized in any manner for requesting or authorizing appropriate medical care.