Joseph fell off his skateboard and suffered injuries to his hands, forearms, and neck. Luckily, Joseph has a health insurance plan with the following provisions: $980 deductible, $3,070 out-of-pocket maximum, and a 90/10 coinsurance provision. If Joseph goes to the emergency room and receives a total bill of $19,800, how much will the insurance pay? How much must Joseph pay? Insurance company will pay Joseph must pay $ $