Amy, an accountant, is 24 years old and has owned a major medical insurance policy for three years. The policy, which she purchased through her employer, provides the following coverage: - a $2,000,000 lifetime limit - a $500 deductible and 80% coinsurance clause - internal limits of $500 per day for a semi-private room and board, $5,000 per occurrence for x-rays, prescription drugs, and other medical expenses, and a $25,000 maximum limit per occurrence on surgical procedures - a $25,000 limit per occurrence on rehabilitation and physical therapy - If a hospital charges a room rate that is greater than the policy's stated internal limit, the hospital agrees to reduce the room rate to the policy's internal limit. Last month, Amy was injured when she was struck by a car while riding her bike to work. She spent 5 days in the hospital in a room that cost $750 per day, incurred $4,000 for other medical expenses, and $22,000 in surgical expenses. Given these claim costs, complete the following table and answer the related questions Bssed on this data, the total cost to the insurance company is , while the out-of-pocket cost to Amy is How much did Amy stve by having her medical insurance policy? Assume thot the hospital changed its payment pollcy to make the patient responsible for the difference betwoen the hospital's room rate and the insurance company's responsibuity (\$750 per day versus $500 per day). By how much would Amy's out-of-pocket cost for her hospital room change due in hospital bining ? Amy's costs would increase by $500. Amy's costs would increase by $1,250. Amy's costs would decrease by $1,250