To calculate how much Liam will pay in health care-related fees in one year, we need to take into account his monthly premium, his annual deductible, and his copays for the physician visits.
1. **Monthly Premium Calculation:**
- Monthly Premium: $248.00
- Annual Premium = $248.00 * 12 = $2,976.00
2. **Annual Deductible:**
- Liam's annual deductible is $5,500.00. He must pay this amount out-of-pocket before the insurance starts to cover costs.
3. **Visits to Primary Care Physician:**
- He visits his primary care physician 3 times per year.
- Each visit costs $40.00.
- Total cost for primary care visits = 3 * $40.00 = $120.00
4. **Visits to Chiropractor:**
- He sees a chiropractic specialist every week, which is 52 times a year.
- Each visit costs $60.00.
- Total cost for chiropractic visits = 52 * $60.00 = $3,120.00
5. **Total Costs Before Insurance Payment:**
- Primary Care Physician: $120.00
- Chiropractic: $3,120.00
- Total Medical Fees = $120.00 + $3,120.00 = $3,240.00
However, since he only pays until he reaches his deductible, we need to factor that together:
6. **Total Fees Including Premiums:**
- Total healthcare costs (medical fees + premium) = $3,240.00 + $2,976.00 = $6,216.00
Since Liam has to meet his deductible of $5,500, we'll consider that amount independently as he won't be covered until reaching this limit.
**However, In this comic situation, he essentially pays ALL his medical fees up until his deductible, which covers most of these expenses.**
Thus:
- **Annual Deductible is NOT surpassed until the total is counted with the cost of his healthcare fees minus the premium plan.**
In case that number is exceeded, he will pay:
**Total cost: $6,216.00**
So, the correct answer is **(d) $6,216.00**.