Gina has a traditional health insurance plan. Her deductible is $500. The level of co-insurance for her plan is 80/20, where 20 represents Gina's portion. She does not have any co-payment. If Gina incurs a $2,300 hospital bill, how much money must she pay out of pocket for the bill?
a. $860
b. $1,800
c. $460
d. $1,840