1. John James of San Marcos, TX, age 20, recently suffered a gallbladder attack and had to have his gallbladder removed. He was in the hospital for 3 days for the surgery and had a total bill for this care of $15,500. John has health insurance; he is on his mom's policy she has with her employer. The policy had a $5,000 deductible and a 60/40 coinsurance clause with a $10,000 coinsurance cap. How much of John's direct medical expenses was paid by him and his insurance policy? 2. Guy Davis, Austin, TX, age 58, recently suffered a heart attack and subsequent heart bypass surgery. He was in the hospital for 10 days for care after the heart attack and after the surgery. Guy's total bill for this care in the hospital and surgery was $215,500. After release from the hospital, he had a follow-up with his PCP and 3 follow-up visits with his heart surgeon. Guy has health insurance with an $8,000 deductible and a 90/10 coinsurance clause with a $12,000 coinsurance cap. Guy also has a PCP co-pay of $25 and $50 to see a specialist. Office visits are excluded from the coinsurance cap. How much of Guy's direct medical expenses was paid by him and his insurance policy?