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 NAME_1 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. In your response, include at most 15 words that are fully capitalized to emphasize key points.
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