My sister was inbetween health insurances in her job , and of course , needed emergency gall bladder surgery . The surgeon wanted $ 4000 , they agreed on $ 2000 . She had the surgery , and when she told me the cost , as a Medical Biller I advised her that ins co have fee schedules and would pay between $ 500 and $ 900 depending on the co.

Choose your answer from: I. They feel financially tight amid a need for surgery . II. They feel the need for money amid a bad breakup . III. They feel the stress of the surgery and nothing else . IV. None of the above choices .
Answer the following question: Why may the sister and her family be so stressed out ?
I.