If you have a health insurance policy with a $500 deductible, a $30 copayment for visits to the doctor (doctor's fee is $60 per visit), and 5% coinsurance on covered expenses (excluding doctor's visits), how much of your health insurance expenses would the insurer pay if you went to the doctor twice and had a surgery that cost $1,500? a. $635 b. $985 c. $610 d. $1,010