Max, age $28,$ is insured under an individual medical expense policy that is part of a preferred provider organization $($PPO$)$ network. The policy has a calendar$-$year deductible of $$1,000,75/25$ coinsurance, and an annual out$-$of$-$pocket limit of $$2,000.$ Max recently had outpatient arthroscopic surgery on his knee, which he injured in a skiing accident. The surgery was performed in an outpatient surgical center. Max incurred the following medical expenses. $($Assume that the charges shown are the charges approved by Maxs insurer and that all providers are in the PPO network$)$

Outpatient X$-$rays and diagnostic tests$$800$

Covered charges in the surgical center$$12,000$

Surgeons fee$$3,000$

Outpatient prescription drugs$$400$Physical therapy expenses$$1,200$

In addition, Max could not work for $2$ weeks and lost $$2,000$ in earnings.$($a$)$ Based on the given information, how much of the expenses will be paid by the insurance company? Explain your answer.$($b$)$ How much of the expenses will Max have to pay? Explain your answer.$($c$)$ Assume that a surgeon who is not in the PPO network actually performed the surgery. Will Maxs policy cover this fee? Explain your answer.