Suppose you live in the US. If you have a health insurance policy with a $500 deductible, a $30 copayment for visits to the doctor (doctor's fee is $60 per visit), and 5% coinsurance on covered expenses (excluding doctor's visits), how much of your health insurance expenses would the insurer pay if you went to the doctor twice and had a surgery that cost $1,500?

Side note about this question: Note that we use different terminology In Australia.Deductible in the US is equivalent of excess in Australia.Excess isan amount you agree to pay to cover accommodation costs if you are ever admitted to hospital. The more excess you agree to contribute up front (as part of your cover) the lower your health cover payments will be. It's important to note that you will only ever pay an excess if you go to hospital. 30$ payment is called gap in Australia. A gap is simplythe difference between what Medicare and your private health fund will pay towards your treatment, and what your doctor or hospital charges. The Australian government sets a fee for treatments, procedures, tests and more, and these are listed on the Medicare Benefits Schedule (MBS)

a.

$985

b.

$610

c.

$1,010

d.

$635