Kyoko, a restaurant owner, is 24 years old and has owned a major medical insurance policy for three years. The policy, which she purchased through her trade association, provides the following coverage: a $1,000,000 lifetime limit a $1,000 deductible and 80% coinsurance clause internal limits of $300 per day for a semi-private room and board, $3,000 per occurrence for x-rays, prescription drugs, and other medical expenses, and a $30,000 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 during a severe grease file in her restaurant. She spent 3 days in the hospital in a room that cost $450 per day, incurred $2,000 for other medical expenses, and $18,000 in surgical expenses. Given these claim costs, complete the following table and answer the related questions Hospital charges Surgery costs Other medical costs Rehabilitation and therapy costs Deductible Policy Limit $300 per day $ $ $ $ Total Claim $ k $ $ $

Kyoko, a restaurant owner, is 24 years old and has owned a major medical insurance policy for three years. The policy, which she purchased through her trade assoclation, provides the following coverage: - a $1,000,000 lifetime limit - a $1,000 deductible and 80% colnsurance clause - internal Iimits of $300 per day for a semi-peivate room and board, $3,000 per occurrence for x-rays, preseription drugs, and other medical expenses, and a $30,000 maximum limir 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 internat limit. Last month, Kyoko was injured duting a severe grease file in her restaurant. She spent 3 days in the hospitat in a room that cost $450 per day. incurred $2,000 for other medical expenses, and $18,000 in surgical expenses. Given these daim costs, complete the following table and answer the related questions Given these claim costs, complete the following table and answer the related questions Based on this data, the total cost to the insurance company is , while the out-of-pocket cost to Kyoko is How much did Kyoko save by having her medical insurance policy? Assume that the hospital changed its payment policy to make the patient responsibid for the difference between the hospital's room rate and the insurance company's responsibility ( $450 per day versus $300 per day). By how much would Kyoko's out-of-pocket cost for her hospital room change due in hospital bilting ? Kyoko's costs would increase by $270. Kyoko's costs would increase by $450. Kyoko's costs would increase by $180