Consider a relatively simple health insurance plan with the following provisions. Office visits require aco-payment of $20.Emergency room visits have a $270 co-payment. Surgical operations have a $1,000 deductible(the first $1,000 is paid out ofpocket). The monthly premium is $370. During aone-year period, somebody insured by this health insurance has the expenses shown to the right. Complete parts(a) and(b) below.

Expenses Total Cost

Feb. 18 Office Visit $150

Mar. 26 Emergency Visit $580

Apr. 23 Office Visit $150

May 14 Surgery $6,500

July. 1 Office Visit $150

Sept. 23 Emergency Room $840

a. Determine theperson's health care expenses for the year with the insurance policy.

b. Determine theperson's health care expenses for the year without the insurance policy.