6.Fred and Janetand their two daughters, Kelly andKaren, are insured under an individualmajor medicalpolicy that covers the entire family. The policy has acalendar-year deductible of$500 that applies to each covered person, an 80-20 percent coinsurance provision, and acommon accident provision.a. Janet had gallbladder surgery and incurred coveredmedical expenses of $15,500. How muchwill Janetreceive from her insurer?b. Fred, Kelly, and Karen were injured in the samebobsledding accident. Covered medicalexpensesare $2500 for George, $900 for Kelly, and $600 forKaren. How much of the losswill be paid by theinsurer? Show your calculations.