Peter Has a Health Insurance Policy That Includes a Deductible

Peter has a health insurance policy that includes a deductible of $1,000, a coinsurance of 20%, and a stop-loss of $4,000. If his total bill is $20,000, how much will he pay?

A) $1,000
B) $3,800
C) $4,000
D) $4,800
E) $19,000