Your Patient's Health Insurance Policy Requires an Annual $200 Deductible

Multiple Choice

Your patient's health insurance policy requires an annual $200 deductible, an 80 percent coinsurance provision and a $2,000 out-of-pocket cap on medical expenses recognized by the insurer. If the total surgery bill was $15,000, how much will the insurance company pay? Assume that this is the first medical expense of the calendar year.

A) $11,800
B) $12,000
C) $12,800
D) $13,000
E) $15,000