The Tucker family has health insurance coverage that pays 80 percent of out-of-hospital expenses after a deductible of $500 per person. If one family member has doctor and prescription medication expenses of $1,100, what amount would the insurance company pay? Insurance payment A health insurance policy pays 65 percent of physical therapy cost after a deductible of $200. In contrast, an HMO charges $15 per visit for physical therapy. How much would a person save with the HMO If he or she had 10 physical therapy sessions costing $50 each? Savings with HMO Georgia, a widow, has take-home pay of $600 a week. Her disability insurance coverage replaces 70 percent of her earnings after a four-week waiting period. What amount would she receive in disability benefits if an illness kept Georgia from work for 16 weeks? Disability benefit payment Stephanie was injured in a car accident and was rushed to the emergency room. She received stitches for a facial wound and treatment for a broken finger. Under Stephanie's PPO plan, emergency room care at a network hospital is 80 percent covered after the member has met an annual deductible of $300. Assume that Stephanie went to a hospital within her PPO network. Her total emergency room bill was $850. a. What amount did Stephanie have to pay? Personal cost b. What amount did the PPO cover? PPO cost