A 60-year old female is admitted to an out-of-network hospital for an episode of congestive heart failure (CHF). The hospital charge for the CHF episode is $4,000. The insurer has an allowed rate of $3,000 for the CHF inpatient stay. For in-network services, the patients insurance plan is responsible for 80% of the allowed rate and the patient is responsible for 20% of the allowed rate in coinsurance. For out-of-network services, the patients insurance plan is responsible for 60% of the allowed rate and the patient is responsible for 40% of the allowed rate in coinsurance. What is the total that the patient will ultimately have to pay for the inpatient stay?

A.

$1,000

B.

$1,200

C.

$1,600

D.

$2,200

E.

None of the above