To find out the patient's out-of-pocket expense for the 22 electrocardiogram tests, let's follow a step-by-step approach:
1. Calculate the Total Cost:
Each test costs $125, so for 22 tests, the total cost is:
[tex]\[
\text{Total Cost} = 22 \times 125 = 2750 \text{ dollars}
\][/tex]
2. Determine the Insurance Coverage:
- For the first 4 tests:
The insurance covers 65% of the cost of these tests.
[tex]\[
\text{Cost per test} = 125 \text{ dollars}
\][/tex]
[tex]\[
\text{Total cost for 4 tests} = 4 \times 125 = 500 \text{ dollars}
\][/tex]
[tex]\[
\text{Insurance coverage} = 0.65 \times 500 = 325 \text{ dollars}
\][/tex]
Hence, the out-of-pocket expense for the first 4 tests is:
[tex]\[
500 - 325 = 175 \text{ dollars}
\][/tex]
- For the next 4 tests (5-8):
The insurance covers 70% of the cost.
[tex]\[
\text{Total cost for 4 tests} = 4 \times 125 = 500 \text{ dollars}
\][/tex]
[tex]\[
\text{Insurance coverage} = 0.70 \times 500 = 350 \text{ dollars}
\][/tex]
Hence, the out-of-pocket expense for the next 4 tests is:
[tex]\[
500 - 350 = 150 \text{ dollars}
\][/tex]
- For the next 4 tests (9-12):
The insurance covers 75% of the cost.
[tex]\[
\text{Total cost for 4 tests} = 4 \times 125 = 500 \text{ dollars}
\][/tex]
[tex]\[
\text{Insurance coverage} = 0.75 \times 500 = 375 \text{ dollars}
\][/tex]
Hence, the out-of-pocket expense for these 4 tests is:
[tex]\[
500 - 375 = 125 \text{ dollars}
\][/tex]
- For the next 4 tests (13-16):
The insurance covers 80% of the cost.
[tex]\[
\text{Total cost for 4 tests} = 4 \times 125 = 500 \text{ dollars}
\][/tex]
[tex]\[
\text{Insurance coverage} = 0.80 \times 500 = 400 \text{ dollars}
\][/tex]
Hence, the out-of-pocket expense for these 4 tests is:
[tex]\[
500 - 400 = 100 \text{ dollars}
\][/tex]
- For the remaining 6 tests (over 16):
These are not covered by insurance.
[tex]\[
\text{Total cost for 6 tests} = 6 \times 125 = 750 \text{ dollars}
\][/tex]
Hence, the out-of-pocket expense for these 6 tests is:
[tex]\[
750 \text{ dollars}
\][/tex]
3. Sum the Out-of-Pocket Expenses:
[tex]\[
175 + 150 + 125 + 100 + 750 = 1300 \text{ dollars}
\][/tex]
Thus, the patient's out-of-pocket expense for the 22 tests is:
[tex]\[
\boxed{1300}
\][/tex]
