Oscar Wang was seriously injured in a snowboarding accident that broke both his legs and an arm. His medical expenses included four days of hospitalization at $700 a day, $8,000 in surgical fees, $8,000 in physician's fees (including time in the hospital and seven follow-up omice visits), 5410 in prescription medications, and $1,500 for physical therapy treatments. All of these charges fall within customary and reasonable payment amounts a Oscar had an indemnity plan that pays 80 percent of his charges with a $250 deductible and a $5,000 stop-loss provision, how much would he have to pay out of pocket Round the answer to the nearest dollar b. What would Oscar's out-of-pocket expenses be if he belonged to an HMO with a $20 co-pay for office Visits? Assume there are no other out-of-pocket costs. Round the answer to the nearest dollar $ C Monthly premiums are $150 for the indemnity plan ana $260 for the Ho he has no other medical experses this year, which plan provides more cost-effective coverage for Oscar