Answer:
a. $7142.50
Step-by-step explanation:
In my experience computation of health insurance benefits is a mysterious process known only to the insurance company (and not always consistently applied). Here's my take on this set of charges.
- 10 doctor copays @ $18 each: $180
- 10 physical therapy visits at (100%-80%)×$150 = $30 each: $300
- 50 nurse visits at (100%-85%)×$55 each: $412.50
- (100%-70%)×$14,500 hospital charge + $300 admission charge: $4650
- annual family deductible: $1600
The total of these is ...
$180 +300 +412.50 +4650 +1600 = $7142.50
_____
Comments on this result
It is not clear to me that the Hospital Admission Charge is not a Hospital Charge, but it is apparently not covered by insurance (based on the answers). This computation seems to presume that all charges are non-network. Even though the bills are apparently accumulated by a single individual, the family deductible seems to be charged.
When I use the "single" annual deductible and consider the admission charge part of the hospital charges, I get a total of $5732.50 for out-of-pocket expense. I had to find ways to make the total increase to get it into the range of the offered answers.
