Samuel Nguyen was seriously injured in a skiing accident that broke both his legs and an arm. His medical expenses included 8 days of hospitalization at $700 a day, $5,300 in surgical fees, $4,300 in physician's fees (including time in the hospital and seven follow-up office visits), $540 in prescription medications, and $1,900 for physical therapy treatments. All of these charges fall within customary and reasonable payment amounts.

If Samuel had a health insurance plan that pays 80 percent of his charges with a $1,000 deductible and a $5,000 stop-loss provision, how much would he have to pay out of pocket? Round to the nearest dollar.

What would Samuels out-of-pocket expenses be if he belonged to an HMO with a $40 co-pay for office visits? Round to the nearest dollar.