Megan sees Dr. Penden for a medical visit. Dr. Penden's fee is $120 for an office visit but charges only Megan $80 based on her insurance plan.

1. Megan's policy has a coinsurance of 80/20. How much would Megan have to pay? How much would her insurance carrier have to pay?

2. Megan's policy also requires a copay of $20. How much would she have to pay now along with her coinsurance of 80/20?

3. How much would Megan have to pay if she did not have insurance?