Kim's company provides employees with a good health insurance plan. Her annual deductible is $400, and has a 80% coinsurance clause. Recently Kim received a knee replacement surgery which has a total medical bill of $23,000. Calculate (1) how much the insurance company is responsible to pay for Kim's bill. (2) And how much total out of pocket payment is that Kim has to pay. (You MUST SHOW YOUR WORK For Credit)