Bob and roberta are married and have two children. they are covered by a comprehensive medical and major medical policy with a $200 deductible per person, an 80/20 coinsurance provision, and an annual stop loss of $3,000. bob dislocated his shoulder in november and needed surgery to fix the injury, which cost $35,000. bob, roberta, and each of the children had an annual physical exam earlier in january, which cost $250 each. aside from these expenses, there were no other health care costs incurred by the family this year. how much will bob have to pay out of pocket to cover the costs of his surgery?