Marla’s PPO health plan calls for a 20 percent copayment for physician office visits for in-network providers after the deductible is met, while out-of-network physician office visitsrequire a 30 percent copayment after the deductible is met. Marla needs to see agastroenterologist, and is trying to decide between seeing gastroenterologist James Allen,MD (an in-network provider) or gastroenterologist Susan Bowles, MD (an out-of-networkprovider).James Allen, MD, charges $160 for an office visit. His contract with Marla’s PPO health planspecifies a rate of $110 as the plan’s payment in full to the physician for an office visit forsubscribers to the plan.Susan Bowles, MD, charges $80 for an office visit. As an out-of-network physician, DoctorBowles does not have a contract with Marla’s PPO health plan.Assuming Marla has already met her annual deductible, and assuming Marla wants to visitthe physician who will result in the lowest out—of—pocket expense, which physician shouldMarla select? Show your work.