Madison, a restaurant owner, is 33 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 $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 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, Madison was injured during a severe grease file in her restaurant. She spent 3 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: Based on this data, the total cost to the insurance company is while the out-of-pocket cost to Madison is How much did Madison 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 room rate and the insurance company's responsibility ($350 per day versus $250 per day). By how much would Madison's out-of-pocket cost for her hospital room change due in hospital billing? Madison's costs would decrease by $300 Madison's costs would increase by $300 Madison's costs would increase by $90