Hilary, 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 $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 procedure a $25,000 timit per occurrence on rehabilitation and physical therapy if a hospital charges a room rate that is greater than the polley's stated internal limit, the hospital agrees to reduce the room rate to the policy's Internal timit a Last month, Hilary 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 $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 Policy Limit Total Claim $250 per day Hospital charges Surgery costs Other medical costs Rehabilitation and therapy costs Deductible Co Insurance percentage Total cost of claim Given these claim costs, complete the following table and answer the related questions Total Claim Policy Limit $250 per day 3 S Hospital charges Surgery costs Other medical costs Rehabilitation and therapy costs Deductible Co-insurance percentage Total cost of claim 5 % Based on this data, the total cost to the insurance company is while the out-of-pocket cost to Hilary is How much did Hilary 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 Insurance company's responsibility ($350 per day versus $250 per day). By how much would Hilary's out-of-pocket cost for her hospital room charge due in hospital biling? Hilary's costs would increase by 5350 Hilary's costs would decrease by $500 Hilary costs would increase by 5500