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Let's work through this insurance problem step by step using the details from the image.

### Given Information:
- **Medical bill**: $3,800
- **Deductible**: $2,000
- **Co-insurance**: 20%
- **Out-of-pocket max**: $5,000
- **Emergency copay**: $300

### Solution Approach:

1. **Step 1: Emergency copay**  
   The patient needs to pay the **emergency copay** of $300 directly. This is a fixed cost.

2. **Step 2: Deductible**  
   The **deductible** is $2,000, which means the patient must pay that amount before insurance starts covering any part of the cost.  
   The remaining balance after the deductible will be:
   \[
   \text{Remaining bill} = 3,800 - 2,000 = 1,800
   \]

3. **Step 3: Co-insurance**  
   After paying the deductible, the patient pays **20% of the remaining amount** as co-insurance, and the insurance covers 80%.  
   The co-insurance amount is:
   \[
   \text{Co-insurance payment} = 1,800 \times 0.20 = 360
   \]

4. **Step 4: Total Payment by the Patient**  
   The total amount the patient pays is the sum of the deductible, co-insurance, and emergency copay:
   \[
   \text{Total payment} = 300 + 2,000 + 360 = 2,660
   \]

### Conclusion:
The patient will have to pay **$2,660** for the $3,800 medical bill.

Would you like further details or have any questions?

### Related Questions:
1. How does the out-of-pocket maximum affect payments in future medical bills?
2. What happens if the medical bill exceeds the out-of-pocket maximum?
3. How does co-insurance work after meeting the deductible in different insurance plans?
4. What other factors affect the total out-of-pocket costs for medical procedures?
5. What is the difference between a copay and co-insurance in health insurance?

### Tip:
Always ensure to check if you've met your out-of-pocket maximum when dealing with large medical expenses; once this is reached, the insurance often covers 100% of additional costs.

How much money will a patient using this insurance plan have to pay for a $3,800 medical bill from an emergency room visit?

Learn how to calculate the out-of-pocket costs a patient will pay for a $3,800 medical bill using a health insurance plan. Key concepts include deductibles, co-insurance, and emergency copay. This step-by-step solution is ideal for students in Grades 9-12.

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