A health insurance policy pays 70 percent of physical therapy costs after a deductible of $320. In contrast, an HMO charges $21 per visit for physical therapy. How much would a person save with the HMO if he or she had 10 physical therapy sessions costing $80 each? (Do not round intermediate calculations. Round your final answer to the nearest whole dollar.) Stephanie was injured in a car accident and was rushed to the emergency room. She received stitches for a facial wound and treatment for a broken finger. Under Stephanie's PPO plan, emergency room care at a network hospital is 70 percent covered after the member has met an annual deductible of $430. Assume that Stephanie went to a hospital within her PPO network. Her total emergency room bill was $1,280. a. What amount did Stephanie have to pay? b. What amount did the PPO cover