Samuel Nguyen was seriously injured in a skiing accident that broke both his legs and an arm. His medical expenses included $6$ days of hospitalization at $$800$ a day, $$4,000$ in surgical fees, $$8,000$ in physician's fees $($including time in the hospital and eight follow$-$up office visits$),$ $$350$ in prescription medications, and $$2,300$ for physical therapy treatments. All of these charges fall within customary and reasonable payment amounts.

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.

$

What would Samuel$$s out$-$of$-$pocket expenses be if he belonged to an HMO with a $$40$ co$-$pay for office visits? Round to the nearest dollar.

$

Monthly premiums are $$400$ for the standard plan and $$100$ for the HMO. If he had no other medical expenses this year, which plan would have provided more cost$-$effective coverage for Samuel?