An employee is going to be seen at a medical lab for blood work that has been requested by the employer for a wellness check. The employee has been advised that the employer will pick up 90% of the cost and the insurnce carrier will pay the remaining 10% Which type of payer is the insurace carrier? 1) self-pay payer, 2) Secondary Payer, 3) Third-party payer, 4) First-party payer. Please explain the answer in detail.