Loren has a $200 annual (calendar year) deductible on her health insurance plan. By the end of the year, she paid $175 in medical expenses. On January 4 of the following year, she went to the doctor for the first time that year and was charged $60 for an office visit. How much of that bill must she pay for herself?

a. $50
b. $60
c. None
d. $100