Kristen has an individual medical expense policy with a $1,000 calendar-year deductible,

Kristen has an individual medical expense policy with a $1,000 calendar-year deductible, a $5,000 annual out-of-pocket limit, and a 20 percent coinsurance requirement. kristen was hospitalized for a surgical procedure in march, her first health care treatment received during the year. the total bill was $20,000. considering the deductible and coinsurance, how much of this amount must kristen pay?