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.
On a cold, windy day, run your hand all around the window and try to find air movement. The feeling of a light breeze on your hand can mean big energy losses. That same breeze can chill the inner window surfaces and promote spots of greater condensation and frost. Seal breezy areas with caulk.