John Chang was seriously injured in a snowboarding accident that broke both his legs and an arm. His medical expenses included 7 days of hospitalization at $1,300 a day, $6,700 in surgical fees, $6,500 in physician's fees (including time in the hospital and six follow-up office visits), $620 in prescription medications, and $2,800 for physical therapy treatments. All of these charges fall within customary and reasonable payment amounts. If John had an indemnity plan that pays 90 percent of his charges with a $500 deductible and a $5,000 stop-loss provision, how much would he have to pay out-of-pocket? Round to the nearest dollar.