Cnad and Kay McGulre are marred. Chad is 23 years old, and is employed as a sales rep for a wholesale fish store. He earns $30,000 per year before-tax. His wife, Kay, is 22 years old, and is employed as a manager at a clothing store. She earns $28,000 per year before-tax. They are both in excellent health, and are non-smokers. There is no family history, on either side, of heart conditions or high blood pressure. In January of last year, the couple purchased health insurance from Worrease Inc., a private health insurance provider. The core coverage included vision care, hearing aids, accidental dental, medical devices, and emergency out of province travel coverage. They also selected the drug and hospital options. The hospital option provides coverage of up to $175 per day for a semi-private or private room. They pay an annual premium of $961.20, calculated as ($80.1012). They live in a province where residents are charged a premium for their provincial health care plan. However, such premiums are not an eligible medical expense for the federal tax credit. Also last year, Kay's adoptive mother, Beth, aged 60, underwent some medical issues. Kay rented a wheelchair for her mother in January of last year and paid for her monthly medications for the entire year. The wheelchair was $67 per month, while the medication was $35 per month for the year. Kay felt morally obligated to help Beth, because Beth had been a loving mother and provided a comfortable and safe home for Kay to grow up. Beth moved in with her daughter for 8 months, as of January of last year, while waiting for her deceased husband's estate to be settled and applied for CPP survivor benefits. She began receiving these benefits after 6 months, and was able to support herself. She moved to her own apartment 2 months later. Shortly after Beth moved out, Chad and Kay took a road trip to New York. They had a wonderful time, but on their way home they were involved in a serious accident. Chad incurred a broken leg, and Kay broke her hip. They were both admitted to hospital in Buffalo, New York. Chad was released from the hospital that day, but Kay had to be hospitalized for 2 days. Upon their return home, Kay required 30 weeks of physiotherapy. The physiotherapy was covered by her health insurance for the first 25 visits. The last 5 visits cost Kay a total of $150. Last year, the McGuires incurred the following out-of-pocket medical expenses: - medication for Chad and Kay: $200 - dental for Chad (cleaning and fillings): $380 - wheelchair: $804, calculated as ($6712) - medication for Kay's mom: $420, calculated as ($3512) - physiotherapy for Kay: $150 Chad and Kay were recently reviewing their health insurance policy. Which of the following statements regarding their optional coverage is FALSE? a) The McGuires will receive reimbursement for the dental fillings that Chad received last year. b) The McGuires receive coverage over and above what is provided by their provincial health care plan. c) The McGuires will receive coverage up to $175 per day for a semi-private or private hospital room. d) The McGuires receive this optional coverage by paying additional premiums