Jon Snow was recently stabbed with resulting

medical bills of $4,000. His health insurance

includes the following:

$1,000 calendar-year deductible

80/20 coinsurance clause

$5,000 out-of-pocket max

1.

After insurance is applied, how much will Jon

owe for the medical bill?

2.

Jon needs surgery during the same calendar

year that costs $30,000. After insurance is

applied, how much will Jon owe for the surge