Assume an insured has a comprehensive plan with 80/20% coinsurance and $1000 deductible. The lifetime maximum benefit is $1 million, and annual maximum out-of-pocket limit (stop-loss limit) is $5,000. Following a severe injury, the insured incurs covered medical expenses totaling $50,000. How much will be the insured and the insurer's responsibility respectively? Assume an insured has a supplemental major medical policy. The basic policy will pay $500 for her scheduled cost. The supplemental part has 80/20% coinsurance and $1000 corridor deductible. The lifetime maximum benefit is $1 million, and annual maximum out-of-pocket limit (stop-loss limit) is $5,000. Following a severe injury, the insured incurs covered medical expenses totaling $3000. How much will be the insured and the insurer's responsibility respectively?