John Smith owns a health insurance policy with a $1,000 calendar-year deductible, an 80 percent coinsurance provision, and a $5,000 coinsurance cap. Assuming that all charges are covered and are reasonable and customary, what is the amount that the insurance company would pay for the following expense that occurred in the same calendar year. On January 15, John broke an arm and incurred medical expenses of $750 John Smith owns a health insurance policy with a $1,000 calendar-year deductible, an 30 percent coinsurance provision, and a $5,000 coinsurance cap. Assuming that all charges are covered and are reasonable and customary, what is the amount that the insurance company would pay for the following expense that occurred in the same calendar year July 30, John suffered a heart attack and was hospitalized for several days with bills of $3,100