曼昆微观经济学原理课后习题问题

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各位大神，

       本人刚开始“微观经济学”的研究，有一道课后习题不解，请各位帮忙解答一下，感激不尽！

     第七章，问题10

    考虑医疗保险如何影响所进行的医疗服务量。假设一般的就医治疗成本为100美元，但一个有医疗保险的人只需自付20美元，他的保险公司支付剩下的80美元。
a.画出医疗市场上的需求曲线。标出如果治疗价格为100美元，治疗的需求量。
答案如下：

（没有问题）
b.在你的图上标出如果消费者每次治疗只支付20美元，治疗的需求量。如果每次治疗的社会成本的确是100美元，而且，如果个人有如上所述的医疗保险，这一治疗数量能使总剩余量最大化吗？解释原因。
答：

请问为什么Q1次治疗，能使总剩余量最大化？不能理解。

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关键词：微观经济学原理 经济学原理 微观经济学 微观经济 济学原理 经济学

能说第一问都没能理解么？一般的就医治疗成本为100美元。成本：卖者为了生产一物品而必须放弃的某种东西的价值。题目说一般的就医治疗成本为100美元，我理解的是：价格为100美元时，生产者剩余为0的意思。额，不会做这题。

有人能够来解释一下的么？

Consider how health insurance affects the quantity of healthcare services performed. Suppose that the typical medical procedure has a cost of $100, yet a person with health insurance pays only $20 out of pocket. Her insurance company pays the remaining $80.
(The insurance company recoups the $80 through premiums, but the premium a person pays does not depend on how many procedures that person chooses to undertake.)
a. Draw the demand curve in the market for medical care. (In your diagram, the horizontal axis should represent the number
of medical procedures.) Show the quantity of procedures demanded if each procedure has a price of $100.
b. On your diagram, show the quantity of procedures demanded if consumers pay only $20 per procedure. If the cost of each
procedure to society is truly $100, and if individuals have health insurance as just described, will the number of procedures performed maximize total surplus? Explain.
c. Economists often blame the health insurance system for excessive use of medical care. Given your analysis, why might the use of
care be viewed as “excessive”?
d. What sort of policies might prevent this excessive use?

原文是这样的，没用cost这个词，第一题会做了。
Consider how health insurance affects the quantity of healthcare services performed. Suppose that the typical medical procedure has a cost of $100, yet a person with health insurance pays only $20 out of pocket. Her insurance company pays the remaining $80.
(The insurance company recoups the $80 through premiums, but the premium a person pays does not depend on how many procedures that person chooses to undertake.)
a. Draw the demand curve in the market for medical care. (In your diagram, the horizontal axis should represent the number
of medical procedures.) Show the quantity of procedures demanded if each procedure has a price of $100.
b. On your diagram, show the quantity of procedures demanded if consumers pay only $20 per procedure. If the cost of each procedure to society is truly $100, and if individuals have health insurance as just described, will the number of procedures performed maximize total surplus? Explain.
c. Economists often blame the health insurance system for excessive use of medical care. Given your analysis, why might the use of
care be viewed as “excessive”?
d. What sort of policies might prevent this excessive use?