Nick and Sheila Preston Are Married and Have Purchased a Comprehensive

question 2

Essay

Nick and Sheila Preston are married and have purchased a comprehensive major medical policy which covers them and their two sons,Wally and Brent.The policy has a $500 calendar year family deductible,a $2,500 stop-loss provision,and an 80% coinsurance clause.The following losses occur: On January 1,2004 Sheila was treated for an infection at a cost of $200,on July 1,2004 Wally was treated for an injury suffered while waterskiing at a cost of $10,000,on December 5,2004 Nick underwent eye surgery at a cost of $1,500,and on January 5,2005 Brent was treated for a broken leg at a cost of $2,000.
How much will the insurer pay for each of these losses?

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Definitions:

Renal Corpuscle

The initial filtering component of the nephron in the kidney, consisting of the glomerulus and Bowman's capsule.

Filtration Slits

Narrow openings between the extensions of the podocytes in the kidney that filter blood to form urine.

Hydrostatic Pressure

The pressure exerted by a fluid at equilibrium due to the force of gravity.

Glomerular Filtration Membrane

A specialized filter in the kidney, consisting of capillary networks, that allows the passage of water and small solutes into the nephron while retaining larger molecules.