Tom broke his leg and needed to go to the doctor.  The visit cost $300 and the cast cost $200.  If insurance covered 60% how much was Tom's out-of-pocket cost?
The cost was 300+200=$
<gadget id="calculator">300+200</gadget>
<output>500</output>
500.
So insurance paid for 500*.6=$
<gadget id="calculator">500*.6</gadget>
<output>300</output>
300.
That means he had to pay 500-300=$
<gadget id="calculator">500-300</gadget>
<output>200</output>
200 out of pocket.

<result>200</result>