Brittany, age 28, purchased an individual major medical insurance policy with a lifetime limit of $ 1 million, a calander year -deductible of $250, and an 80-20% co-insurance provision. Brittany had emergency surgery for an inflamed appendix. covered medical expenses are $30,750. Brittany also lost $1000 in wages becasue she could not work for one month. what is the amount paid by the insurer? what is the amount paid by Brittany? how would your answer change if Brittany's policy contained an annual stop-loss limit of $ 3000?