Amy has a personal risk management program that includes retirement savings and health insurance. Perform the following calculations with regard to Amy$$s retirement savings and health insurance.

b$.$ Amy purchased medical expense insurance. The policy has a $$4,500$ deductible and an $80-20$ coinsurance provision. Amy needed a surgical procedure and she was hospitalized for three days after surgery. The total bill $($surgery$,$ hospital and other covered expenses$)$ was $$45,000.$ How much of this amount must Amy pay and how much will her insurer pay? Clearly indicate how much each party pays.