John has a choice of two health plans being offered by his employer. The first plan has a $25 co-pay for each doctor visit and has an annual deductible of $2,200. The second plan has no co-pays and has no deductible. The second plan costs $3,000 more in annual premiums than the first. John chooses the first plan and has 10 doctor visits at $200 per visit. Which subsequent events would make this plan more expensive than the second plan?

a.) 10 more doctor visits at $250 each
b.) a surgery visit costing $1,050
c.) emergency hospitalization costing $30,000
d.) 40 more short doctor visits costing $75 each