What is the true cost of going to the doctor?

Question 7 options:

There is no cost if your insurance is good enough.

The amount you pay

The amount you pay minus the amount your insurance covers (i.e. the amount you pay out of pocket)

The amount you pay out of pocket, plus the worth of the time you lose while waiting, plus the travel cost, plus the increased risk of being infected with Covid-19 while at the doctor's office