Im not sure what the out of pocket expenses would be. could someone help me answer question a and b?

2. Kristi has a high annual deductible of $3,000. She falls from a loft and breaks her hip and arm. She visits an emergency room and has surgery, both at a hospital that is part of her insurance plan's network. The total costs are $13,000. Her plan also has a 20 percent coinsurance and a $10,000 annual out-of-pocket limit. Trevor is insured through his father's university healthcare plan, which requires no coinsurance or deductible. He pays a $25 copay per physician visit if services are provided in the network, but 25 percent coinsurance and a $350 deductible for services provided out of the network. Trevor has surgery on his wrist that is billed at $12,000 for the hospital and doctor. Trevor used in-network services and had three doctor visits. a. What out-of-pocket expenses do Kristi and Trevor incur? b. How much would Trevor have paid out of pocket if he had chosen to use an outof-network service