Emily Ward is married and has a non-network family health insurance plan with the benefits shown in the
figure on p. 10. Her recent non-network health care costs include 5 physician visits and 2 specialist visits.
She made co-payments for 6 physical therapy visits at $110 each. Emily has one ambulance trip to the
emergency room and a subsequent hospital bill of $14,680. Emily has no deductible. What amount did she