Assessment progress:

Becky Smith owns an individual medical expense policy that specifies a $$1,000$ annual deductible, a $20\%$ coinsurance requirement, and a $$3,000$ maximum out$-$of$-$pocket provision. In February of last year, Ms$.$ Smith was hospitalized for four days for treatment after having a mild stroke. During that period of hospitalization, Ms$.$ Smith incurred $$18,000$ in covered medical expenses. Ms$.$ Smith incurred no other medical expenses during the year. Therefore, Ms$.$ Smith's out$-$ofpocket medical expenses for last year totaled

$$1,000$

$$3,000$

$$3,600$

$$4,400$