Elise's health insurance policy has a deductible of $500, a $20
copayment on doctor visits, and coinsurance of 10% on all expenses
other than those for which there are copayments. She visited the
doctor four times last year (doctor's fee is $40 per visit) and
underwent a surgery that cost $3,000. If instead she had had a
policy with a $1,000 deductible, a $10 copayment on doctor visits,
and no coinsurance, which of the following is TRUE regarding her
expenses...