You go skiing over Christmas break and are doing the black moguls. However, your friend Elvir is not as good as you. After you get Elvir to the hospital and they operate on his knee the bills start coming. His deductible is $1,000 his co-insurance is 80/20 up to $6,000 out of pocket. His total bill is $5800 including his recuperative care. How much does the insurance company pay? How much does Elvir have to pay?