Alex owns a health insurance policy with a $1000 calendar-year deductible, an 80-20 coinsurance provision, and a $5,000 out-of-pocket cap. The cap applies to coinsurance only. Alex underwent an open-heart surgery, spent two weeks in the hospital, and incurred medical charges of $41,000. Assuming this surgery was the first medical care that Alex received during the year, how much of the $41,000 bill will the insurer pay?

Select one:

a. $32,000

b. $32,800

c. $40,000

d. $35,000

e. None of the above