Kyoko, a graphic artist, is 24 years old and has owned a major medical insurance policy for three years. The policy, which she purchased through her alumni association, provides the following coverage: - a 52,000,000 ilfetime limit - a $500 deductible and 80% coinsurance clause - internal limits of $500 per day for a semi-private room and board, $5,000 per occurrence for x-rays, prescription drugs, and other medical expenses, and a $25,000 maximum limit per occurrence on surgical procedures - a $25,000 limit per occurrence on rehabilitation and physical therapy - If a hospital charges a room rate that is greater than the policy's stated internal limit, the hospital agrees to reduce the room rate to the policy's internal limit. Last month, Kyoko was injured in an automoblle accident. She spent 4 days in the hospital in a room that cost $750 per day, incurred $4,000 for other medical expenses, and $22,000 in surgical expenses. Given these claim costs, complete the following table and answer the related questions Based on this dote, the total cost to the insurance company is while the out-of-pocket cost to Kyoko is How moch did Kyoko stve by having her medical insurance policy? Assume that the hospital changed its peyment povcy to make the patient relponsible for the difference between the hospital's room rate and the insurance company's responsibilty ( 5750 per dey versus 5500 per day). By how much would Kyoko's out-of-pocket cost for har hospital room change due in hospital billing ? Kyoko's costs would decrease by $1,000. Kyoko's costs weuld incresse by 5400 . Kyoko's costs would increase by $1,000