Instead, resilience gives people the strength to tackle problems head on, overcome adversity, and move on with their lives. In the wake of traumas such as the 9/11 attacks and the Hurricane Katrina disaster, many individuals demonstrated the behaviors that typify resilience.
Many health insurance plans have an out-of- pocket expense maximum. An out-of-pocket expense is a nonreimbursable expense paid by a patient. But out-of-pocket expenses can also include covered expenses that you are responsible for before your health-plan benefits kick in at 100 percent coverage.
After that, your plan pays between 60% and 90% of your covered expenses, depending of what kind of plan you have. You pay between 10% and 40% of the costs as coinsurance or copayments. Out-of-pocket maximum This is the total amount you'll have to pay no matter how much covered care you get in a plan year. Example: If your plan has a $3,000 out-of-pocket maximum, once you pay $3,000 in deductibles, coinsurance, and copayments the plan pays for any covered care for the rest of the year.