Tom and Jim both receive prescriptions for isotretinoin from their dermatologist. Both will need to refill their prescription three times this year. Isotretinoin costs $200 per refill. Tom and Jim have different prescription coverage. The table below describes their prescription payments for the three refills. Refill 1 Refill 2 Refill 3 15 $15 $15 $200 $0 50 Which of the following choices best describes Tom and Jim's terms of coverage? Select all that apply] O a. Tom pays a deductible C) b. Jim pays a deductible O c. Jim pays a coinsurance D d. Tom pays a copay