Comparing the Costs of a Regular Health Insurance Policy and HMO?

Comparing the Costs of a Regular Health Insurance Policy and HMO. A health insurance policy pays 65 percent of physical therapy cost after a $200 deductible. In contrast, an HMO charges $15 per visit for physical therapy. How much would a person save with HMO if he or she had 10 physical therapy sessions costing of $50 each?
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$155, but that's assuming the plan doesn't discount the $50 visit or that the $50 IS the discounted amount. That also doesn't take into account the costs of the plan, the ability to get the policy, etc...but as far as a math problem goes that's your answer.
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