The provision sets limits on your potential out-of-pocket costs per year. Such caps generally range from $2,000.00 to $3,000.00, depending on your plan, but limits as low as $1,000.00 are not unheard of.
It is a unique composite of the effects of temperature, wind, humidity, sunshine intensity, cloudiness, precipitation and elevation on the human body--everything that affects how warm or cold a person feels.
I'm sure everyone experiences things differently to an extent, but having dealt with a considerable amount of stress and depression in my time, it absolutely does (in my experience) feel like a physical sensation. Chest tightens up, slight nausea, difficulty breathing.