An individual covered by a PPO plan makes a routine visit to the doctor.Every month, the individual pays a $50 to an insurance company to have health insurance plan.The visit to the doctor costs $125. The individual has to make a payment, called , directly to the doctor’s officeDuring the visit, the doctor determines the individual will require a procedure costing $4,500. Before the individual agrees to the procedure, he checks to see what his annual is to determine how much he will have to pay.The health insurance company does not have to pay the full remaining amount for the procedure because of .