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Richard's major medical expenses insurance policy includes a deductible of $ 20,000 and a coinsurance of 20 percent. His medical bills total $ 368,000. He

Richard's major medical expenses insurance policy includes a deductible of $ 20,000 and a coinsurance of 20 percent. His medical bills total $ 368,000. He has a stop loss provision of $ 78,000. How much should the insurance company pay you?

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