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Takashi Caldwell has health insurance that pays 80 percent of coverage charges after a $150 deductible. She received a statement for $350 of covered charges. How much will Takashi have to pay?

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Subtract the deductible from the total:

350 - 150 = 200

Takashi then needs to pay 20% of what is left.

200 x 0.20 = 40

Takashi has to pay the 150 deductible plus 40 for a total of $190

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