A patient has health insurance with the following out-of-pocket obligations: A) $20 co-pay for a primary care office visit; B) $100 co-pay for a specialist office visit; C) $5,000 annual deductible; and D) a 20% coinsurance for the cost of an inpatient stays at a hospital. The patient goes for their annual check-up at their primary care provider and gets a referral to a specialist concerning pain in his knee. The specialist investigates the knee and recommends the patient get an MRI at the hospital where the specialist has admitting privileges. That MRI reveals that the patient has severe damage to the knee that can only be fixed with surgery. The patient agrees to get surgery performed by the specialist at the hospital and spends three days recovering before being released home with physical therapy instructions. The patient's health insurance is billed: A) $1,000 for the MRI; B) $30,000 for the surgery; and C) $6,000 for the post-surgical stay at the hospital. 

 

How much does the patient have to pay out of pocket for all the care they received?