Problem 11.4 Calculating the Cost of Health Care Coverage with and without a Stop-Loss Policy [LO11-3] Sarah's comprehensive major medical health insurance plan at work has a deductible of $650. The policy pays 80 percent of any amount above the deductible. While on a hiking trip, she contracted a rare bacterial disease. Her medical costs for treatment, including medicines, tests, and a six-day hospital stay, totaled $9.210. A friend told her that she would have paid les 5 if she had a policy with a stop-loss feature that capped her out-of-pocket expenses at $3,500. The policy with the stop-loss feature has the same deductible and coinsurance requirement as Sarah's current policy. Determine which policy would have cost Sarah less and by how much. Note: Round your intermediate calculations and final answer to 2 decimal places. Current policy