Philip has had a pretty bad year. This year alone, they have had to be hospitalized three times - once for three days in January, one night in October, and again just overnight in December. Together, the bill for these medical services cost a total of $5,900. Fortunately, they have a health insurance policy. This policy has a $3,200 deductible, with a 80/20 copay and a $9,600 out-of-pocket limit. How much total did they have to pay out of their own pocket for these medical expenses this year?