Can someone please answer #7 and show work. Thanks!!

The Baulding family has a basic health insurance plan that pays 80 percent of out-of-hospital expenses after a deductible of $250 per person. If three family members have doctor and prescription drug expenses of $980, $1, 840, and $220, respectively, how much will the Baulding family and the insurance company each pay? How could they benefit from a flexible spending account established through Mr. Baulding's employer? What are the advantages and disadvantages of establishing such an account? Latesha Moore has a choice at work between a traditional health insurance plan that pays 80 percent of the cost of doctor visits after a $250 deductible and an HMO that charges a $10 co-payment per visit plus a $20 monthly premium deduction from her paycheck. Latesha anticipates seeing a doctor once a month for her high blood pressure. The cost of each office visit is $50. She normally cost the doctor an average of three times a year for other health concerns. Comment on the difference in costs between the two health-care plans and the advantages and disadvantages of each. Julie Rios has take-home pay of $3, 200 per month and a disability insurance policy that replaces 60 percent of earnings after a 90-day (3-month) waiting period. She has accumulated 80 sick days at work. Julie was involved in an auto accident and was out of work for 4 months. How much income did she lose, and how much would be replaced by her disability policy? How else could she replace her lost earnings? If after 4 months Julie could return to work only half-time for an additional 3 months due to continuing physical therapy, how might she benefit from a residual benefits clause? How much will she receive in disability benefits for this period? Bobbi Hilton, 62, is considering the purchase of a 5-year long-term care policy. If nursing home costs average $5,000 per month in her area, how much could she have to pay out-of-pocket for 5 years without long-term care insurance? What can Bobbi do to reduce the cost of this coverage? Adam and Cassie Porterfield, a healthy couple in their mid-30s, were delighted when Adam , ha ^ a new job with a promotion and increased salary. But they were disappointed to learn that would not be eligible for benefits for 90 days. The company offers a comprehensive 4t health insurance, vision insurance, dental insurance, life insurance (1.5 times salary at no premium charge), short- and long term disability insurance, and long-term care insurance. An employee can choose how to spend the employer-provided premium dollars to purchase any combination of insurance or additional life insurance