Amounts of Health-Care Coverage Christina Haley, 61, of San Marcos, Texas, suffered a severe stroke recently. She was in intensive care for 12 days before being admitted to the hospital for another 18 days. She spent 45 days in a nursing home after being discharged from the hospital for medically necessary nursing and rehabilitation care. Christina was covered by a comprehensive health insurance plan provided by her employer. The policy included a $1,000 deductible, a $50,000 episode limit, and a $250,000 annual limit, as well as an 80/20 coinsurance clause with a $2,000 coinsurance cap. Christina’s policy covered medically necessary services provided in a nursing home. Her total bill came to $125,765.

a) What percentage of Christina’s expenses were covered by her insurance policy?

b) How much did Christina have to pay?