Abstract: Technologies related to out-of-pocket insurance are described. In some examples, out-of-pocket insurance covers the out-of-pocket costs associated with making an insurance claim with a primary insurance provider. This out-of-pocket insurance coverage may cover any payment that an insurance policy holder must pay out-of-pocket in a valid insurance plan for valid insurance claims.

Abstract: Automatic Alert Mode Selection may put a device into vibrate, silent, or ringer mode, or take the device out of such modes. It may automatically adjust volume settings, as applicable. It may perform these functions based on a location, a calendar entry, or an event. One embodiment may comprise a software application that communicates with network data or location sensors, such as GPS, to collect location information. It may also sync with a user's calendar to retrieve data for appointments and events. Automatic Alert Mode Selection may also interact with a plurality of application programming interfaces (APIs). In one embodiment, Automatic Alert Mode Selection may be programmed to collect data at a predetermined time interval, and in yet another embodiment, the software's functionalities may be overridden by the user.