Samuel Nguyen was seriously injured in a skiing accident that broke both his legs and an arm. His medical expenses included 5 days of hospitalization at $1,200 a day, $6,000 in surgical fees, $5,000 in physician's fees (including time in the hospital and seven follow-up office visits), $370 in prescription medications, and $1,500 for physical therapy treatments. All of these charges fall within customary and reasonable payment amounts.

1. If Samuel had a health insurance plan that pays 90 percent of his charges with a $500 deductible and a $5,000 stop-loss provision, how much would he have to pay out of pocket? Round to the nearest dollar. $
6. What would Samuels out-of-pocket expenses be if he belonged to an HMO with a $30 co-pay for office visits? Round to the nearest dollar.
8. Monthly premiums are $210 for the standard plan and $255 for the HMO. If he had no other medical expenses this year, which plan would have provided more cost-effective coverage for Samuel?