3. Highspirit Shoemaker offers medical insurance for its employees. Its probability distribution for medical costs for the coming year is as follows: $0 with probability 0.9335 $2000 with probability 0.0500 Medical costs = $5,000 with probability 0.0100 $10,000 with probability 0.0050 $50,000 with probability 0.0010 $500,000 with probability 0.0005 Calculate Highspirit's claim cost for each of the following policies: a. full insurance b. $5,000 deductible and a $200,000 limit c. $5,000 deductible, 20% coinsurance, and a $200,000 limit