Real world, sometimes a doctor will think up a novel use of the effect of a drug. And sometimes they'll throw stuff at the wall and see what sticks. When you don't have a good answer this can be sane medical practice. But there should be a requirement of reporting it to something like this database.
It's not even about the doctors trying things themselves. Enough people have more than one issue at the time that they will notice "you prescribed this for A, but B went away as well".
> When I reach those, I’d expect them to pay the remainder.
They won't. "Out of pocket maximum" means something completely different to the insurance company than it does to any normal person.
Out of every dollar you pay out of pocket, the insurance company will decide how much they feel like counting it. Might be the full dollar, or some pennies, or nothing.
You might have paid $20K out of pocket in a year, but the insurance company will say you've only paid $1000 because just because. Good luck reaching that "out of pocket maximum".
I hike, a phone falling is a realistic issue. I use a lanyard around my neck, though, not to my belt. A lanyard long enough to reach from your belt to use is likely to let it hit the ground. I've had it slip out a few times and be caught by the lanyard--without hitting the ground.
They aren't going to talk to the passengers in a gap unless there's a major need (like Sullenberger saying "This is the captain, brace for impact". He had already committed to the Hudson long before he said that. And note that that's the minimum communication that conveys the message, he didn't spend one second on that he didn't have to.)
Heat a lithium secondary cell too much and it goes into runaway. When the cells are packed together in one device if one of them goes up it can take the others with it. The bigger the device the hotter it will be and harder to avoid it turning into a disaster.
Real world, sometimes a doctor will think up a novel use of the effect of a drug. And sometimes they'll throw stuff at the wall and see what sticks. When you don't have a good answer this can be sane medical practice. But there should be a requirement of reporting it to something like this database.
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