Beth, a restaurant owner, is 24 years old and has owned a major medical insurance policy for three years. The policy, which she purchased through her trade association, provides the following coverage: a $1,000,000 lifetime limit a $2,500 deductible and 80% coinsurance clause internal limits of $250 per day for a semi-private room and board, $4,500 per occurrence for x-rays, prescription drugs, and other medical expenses, and a $45,000 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, Beth was injured during a severe grease file in her restaurant. She spent 3 days in the hospital in a room that cost $350 per day, incurred $3,850 for other medical expenses, and $32,000 in surgical expenses. Given these claim costs, complete the following table and answer the related questions Hospital charges $250 per day $ Surgery costs $ $ Other medical costs Rehabilitation and therapy costs $ $ Deductible Co-insurance percentage % Total cost of claim Based on this data, the total cost to the insurance company is $ while the out-of-pocket cost to Beth is $ How much did Beth save by having her medical insurance policy? $ Assume that the hospital changed its payment policy to make the patient responsible for the difference between the hospital's room rate and the nsurance company's responsibility ($350 per day versus $250 per day). By how much would Beth's out-of-pocket cost for her hospital room change Hue in hospital billing ? Beth's costs would increase by $300. Beth's costs would increase by $210. Beth's costs would decrease by $300