Theresa Morgan of Boone, IA, age 55, recently suffered a stroke. Her total bill for this care was $125,500. After being discharged from the hospital, she spent 21 days in a nursing home at a cost of...

Theresa Morgan of Boone, IA, age 55, recently suffered a stroke. Her total bill for this care was $125,500. After being discharged from the hospital, she spent 21 days in a nursing home at a cost of $270 per day. Theresa, who earns $3,700 per month, missed two months of work. Theresa had a health insurance plan through her employer. The policy had a $600 deductible and an 80/20 coinsurance clause with a $5,000 coinsurance cap. She had also accumulated 21 sick days (equivalent to one month) at work. Otherwise she had no long-term care or disability insurance. In total, Theresa missed 42 days of work.

How much of Theresa's direct medical expenses was paid by her insurance policy?