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 $550. The policy pays 85 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 $8,990. A friend told her that she would have paid less if she had a policy with a stop-loss feature that capped her out-of-pocket expenses at $3,100. 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 Stop-loss feature No difference in Sarah's cost for this claim