Need help please

Susana 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 $3,000,000 fetime limit a $1,500 deductible and 80% coinsurance clause internal limits of $400 per day for a semi-private room and board, $7,500 per occurrence for ays prescription drugs and other medical expenses, and a $10,000 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 greater than the policy's stated internal limit, the hospital agrees to reduce the room rate to the policy's internal limit. Last month, Susan was injured during a severe grease file in her restaurant. She spent 3 days in the hospital in a room that cost $600 per day incurred $5,500 for other medical expenses, and $20,000 in surgical expenses Last month, Susan was injured during a severe grease file in her restaurant. She spent 3 days in the hospital in a room that cost $600 per day, incurred $5,500 for other medical expenses, and $20,000 in surgical expenses Given these claim costs, complete the following table and answer the related questions Total Claim Policy Limit $400 per day 5 Hospital charges Surgery costs Other medical costs Rehabilitation and therapy costs Deductible S $ s Co-insurance percentage % Total cost of claim $ Based on this data, the total cost to the insurance company is S while the out-of-pocket cost to Susan is How much did Susan save by having her medical insurance policy? 5 Assume that the hospital changed its payment policy to make the patient responsible for the difference between the hospital's room rate and the insurance company's responsibility ($600 per day versus $400 per day). By how much would Susan's out-of-pocket cost for her hospital room change due in hospital billing? Susan's costs would decrease by $600. Susan's costs would increase by $360. O Susan's costs would increase by $600