Kim was injured in a freak accident in her dorm room and had to spend several days in the hospital. Her covered medical costs totaled $14,000. How much will Kim's health insurance policy pay for this claim given the following policy information? $250 deductible per year 80/20 coinsurance $1,500 per year out-of-pocket coinsurance cap a. $12,250 b. $11,200 c. $11,000 d. $10,950