Your health insurance requires the payment of an annual deductible of

\($500\) per person or \($1,000\) per family. After meeting the deductible, you must pay 20 percent of covered charges until you reach the stop-loss limit of \($5,000\). If your child requires emergency surgery and the total covered charges are \($20,000\), all incurred in the same plan year, how much will you end up paying out of pocket?