John Chang was seriously injured in a snowboarding accident that broke both his legs and an arm. His medical expenses included 4 days of hospitalization at $1,200 a day, $5,300 in surgical fees, $3,500 in physician's fees (including time in the hospital and six follow-up office visits), $570 in prescription medications, and $2,300 for physical therapy treatments. All of these charges fall within customary and reasonable payment amounts.

If John had an indemnity plan that pays 80 percent of his charges with a $1,000 deductible and a $5,000 stop-loss provision, how much would he have to pay out-of-pocket? Round to the nearest dollar. $

What would John's out-of-pocket expenses be if he belonged to an HMO with a $20 co-pay for office visits? Round to the nearest dollar.