James was injured in a freak accident in his dorm room and had to spend several days in the hospital. His covered medical costs totaled $8,000. He then went to a nursing home facility for rehabilitation costing $3,275. How much will James's health insurance policy pay for this claim given the following policy information? $400 deductible per year 80/20 coinsurance $2,000 per year out-of-pocket coinsurance cap

a. $5,600 b. $6,080 c. $6,400 d. $7,600