Using the Blue Cross/Blue Shield EOB, why does Mark Nelson owe more money than just a copay? O1) Patient only owes a copay and the claim should be appealed O2) Patient has an 80/20 plan but has not met the deductible for the year. Once the deductible is met, he will only owe a $30.00 copay O3) This has been calculated incorrectly. Amount due by the patient should be calculated by the amount charged and not the amount allowed due to an 80/20 plan. O4) Patient has an 80/20 plan and has met the deductible for year