Sally has a major medical policy with a $500 annual deductible and an 80/20 coinsurance provision, with a $2,000 out of pocket limit on covered losses excluding the deductible. Sally breaks a leg dancing and has surgery that costs $12,000. How much will she have to pay for the surgery?

1. $500.
2. $2,300.
3. $2,500.
4. $2,800.