Phoebe's health insurance policy has an annual premium of $2,000. Her deductible is $1,500, after which she pays 20% coinsurance and the insurance company pays 80%. Her out of pocket maximum coinsurance is $3,000. This year, Phoebe had the following medical expenses. Primary care doctor: $15 copay Orthopedic surgeon: $50 per visit; 4 visits Shoulder surgery: $7,000 How much did Phoebe pay for her healthcare for the entire year based on the items listed? . . O $3.215 O $4,815 O $4.500 O $5,715