I would say $450 because of the $1250, $250 is the deductible so has to be paid by you, and then of the $1000 remaining you have to pay 20% so 0.2 x 1000=$200 so the total is $250+$200=$450. Without the insurance you would have had to pay the full $1250 so you saved $800 by having the insurance.
All of the above Because You work on it any time else and your bones wont be as strong as you grow older if you work on it all the time you have stronger bones
I'm pretty sure that would be false and would also go against some of the points of what your talking about. Not to mention it's rude to do so. I'm pretty sure anyways.
