Out-of-pocket Limit The most you could pay during a coverage period (usually one year) for your share of the costs of covered services. After you meet this limit the plan will usually pay 100% of the allowed amount. This limit helps you plan for health care costs. This limit never includes your premium, balance-billed charges or health care your plan doesn’t cover. Some plans don’t count all of your copayments, deductibles, coinsurance payments, out-of-network payments, or other expenses toward this limit. See a detailed example.

How You and Your Insurer Share Costs - Example Jane’s Plan Deductible: $1,500 Coinsurance: 20% Out-of-Pocket Limit: $5,000

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If the apparatus of total surveillance that we have described here were deliberate, centralized, and explicit, a Big Brother machine toggling between cameras, it would demand revolt, and we could conceive of a life outside the totalitarian microscope.

Senior government officials in multiple U.S.-allied countries were targeted earlier this year with hacking software that used Facebook Inc’s (FB.O) WhatsApp to take over users’ phones, according to people familiar with the messaging company’s investigation.

“We are a nation with a tradition of reining in monopolies, no matter how well-intentioned the leaders of these companies may be.”Mr. Hughes went on to describe the power held by Facebook and its leader Mr. Zuckerberg, his former college roommate, as “unprecedented.” He added, “It is time to break up Facebook.”

Liberals are always slow to realize that there can be friendly, idealistic people who have little use for liberal values.

identity alone should neither uphold nor invalidate an idea

Our goal shouldn’t be to tell children what to think. The point is to teach them how to think so they can grow up to find their own answers.

The teaching of civics has dwindled since the 1960s—a casualty of political polarization

festooned with all the authoritarian excess of the new progressivism

an idea of education based on real meri

That pragmatic genius for which Americans used to be known and admired, which included a talent for educating our young—how did it desert us?

the universal principles of equality, dignity, and freedom

It was a quiet plea to be left alone.

Q also used the boys’ bathroom, which led to problems with other boys.

The issue that had roiled the grown-ups in his life seemed to have had no effect on him at all.

A 95 percent opt-out rate was a resounding success. It rivaled election results in Turkmenistan.

An extensive survey of American political opinion published last year by a nonprofit called More in Common found that a large majority of every group, including black Americans, thought “political correctness” was a problem.

in part out of disillusionment with the early promise of his presidency—out of expectations raised and frustrated

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He had picked this moment to render his very first representational drawing, and our hopes rose.

On that freezing sidewalk, I felt a shudder of revulsion at the perversions of meritocracy. And yet there I was, cursing myself for being 30th in line.

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True meritocracy came closest to realization with the rise of standardized tests in the 1950s

if MDMA gains approval as a treatment for PTSD, psychiatrists could prescribe the drug for very different purposes.

So the solution for the U.S.’s relatively high poverty rate will probably rely little on personal responsibility and moral rectitude. Instead, the U.S. should look to European countries, or to Australia and Canada, for ideas on how to reduce poverty. There’s just no substitute for a strong social safety net.

“We are a nation with a tradition of reining in monopolies, no matter how well-intentioned the leaders of these companies may be.”Mr. Hughes went on to describe the power held by Facebook and its leader Mr. Zuckerberg, his former college roommate, as “unprecedented.” He added, “It is time to break up Facebook.”

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a visual acuity of 20/200. As it so happens, this is the legal definition of blindness for drivers in the United States

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The report also noted a 27 percent increase in the number of foreigners whose communications were targeted by the NSA during the year. In total, an estimated 164,770 foreign individuals or groups were targeted with search terms used by the NSA to monitor their communications, up from 129,080 on the year prior.

The data, published Tuesday by the Office of the Director of National Intelligence (ODNI), revealed a 28 percent rise in the number of targeted search terms used to query massive databases of collected Americans’ communications.

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So far, according to the Times and other outlets, this technique is being used by the FBI and police departments in Arizona, North Carolina, California, Florida, Minnesota, Maine, and Washington, although there may be other agencies using it across the country.

April 15, the day when you pay your taxes, gives you a good index of how democracy is functioning. If democracy were functioning effectively, April 15 would be a day of celebration. That’s a day on which we get together to contribute to implementing the policies that we’ve decided on. That’s what April 15 ought to be. Here it’s a day of mourning. This alien force is coming to steal your hard-earned money from you. That indicates an extreme contempt for democracy. And it’s natural that a business-run society and doctrinal system should try to inculcate that belief.

Washington state Attorney General Bob Ferguson said Thursday that Motel 6 shared the information of about 80,000 guests in the state from 2015 to 2017. That led to targeted investigations of guests with Latino-sounding names, according to Ferguson. He said many guests faced questioning from ICE, detainment or deportation as a result of the disclosures. It's the second settlement over the company's practice in recent months.

The United States is a land of stark contrasts. It is one of the world’s wealthiest societies, a global leader in many areas, and a land of unsurpassed technological and other forms of innovation. Its corporations are global trendsetters, its civil society is vibrant and sophisticated and its higher education system leads the world. But its immense wealth and expertise stand in shocking contrast with the conditions in which vast numbers of its citizens live. About 40 million live in poverty, 18.5 million in extreme poverty, and 5.3 million live in Third World conditions of absolute poverty.4It has the highest youth poverty rate in the Organization for Economic Cooperation and Development (OECD), and the highest infant mortality rates among comparable OECD States. Its citizens live shorter and sicker lives compared to those living in all other rich democracies, eradicable tropical diseases are increasingly prevalent, and it has the world’s highest incarceration rate, one of

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Many customers who took their computers in for a free “PC Health Check” at Office Depot or OfficeMax stores between 2009 and November 2016 were told their computers had malware symptoms or infections — but that wasn’t true. The FTC says Office Depot and OfficeMax ran PC Health Check, a diagnostic scan program created and licensed by Support.com, that tricked those consumers into thinking their computers had symptoms of malware or actual “infections,” even though the scan hadn’t found any such issues. Many consumers who got false scan results bought computer diagnostic and repair services from Office Depot and OfficeMax that cost up to $300.

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Before the structure became an icon of 1960s counterculture, it passed first through the crucible of the Cold War’s military-industrial complex. (Domes sheltered radar stations that served as the United States’s early warning system against a Russian bomber strike, for example.) And, because the Cold War was a global conflict that reached deep into every aspect of American life, geodesic domes built overseas at world’s fairs served as symbols of American technological prowess. Fuller’s dome design swiftly became a symbol and instrument of American power.

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called for ‘the Council’s agenda item 7 [to] be removed.’ ‘

she said, the UN will need to improve the election process for Council membership, to prevent ‘the worst human rights abusers from obtaining seats on the Council.’ That would mean, in turn: an end to the practice whereby regional groups pre-cook ‘clean slate’ (i.e. non-competitive) elections so that, for example, 3 States ‘compete’ for 3 seats, (perhaps unsurprisingly, Ambassador Haley failed to mention that the US too has benefited from ‘clean slate’ polls); and the replacement of ‘secret ballots…with open voting.’

she would need to see (and, more importantly, she would presumably need to ‘sell’ to the White House) ‘a couple of critically important’ reforms.

Institutions and legal instruments designed to stop abuse are finding themselves ill-equipped to function in light of networked dynamics.

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We were walking along Washington Avenue, the main street that runs through the town, past the Town Hall that looks like a castle, and the duck pond. I don’t remember what we were talking about or if we were even talking, but I remember his face, bloated and red and angry. He stuck that face out of the truck that slowed down as it passed, then he threw a lit cigarette at us, two teenage girls – her 16, me 13 – and said, “Go home, n*ggers.” We jumped away to avoid getting burnt and stared at the truck as it sped off. She started crying, a quiet, blubbering cry that shook her shoulders. I stayed quiet the rest of the walk home. The following year, a black girl who was all of a shade darker than me told me I didn’t know prejudice – “because you’re not black.” She pursed her lips and shook her head. I thought back to that lit cigarette and that bloated, red face.

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A first for Team USA: Beats No. 1 Germany Team USA stunned world No. 1 Germany, winning for the first time on German soil. Bobby Wood's goal in the 88th minute proved to be the winner in Wednesday's international friendly.

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