The elderly and the disabled, who are most susceptible to high medical costs, are the focus of Medicare, a kind of socialized medicine used in the US. It crowdsources the whole labor force to finance the costs of medical care for the handicapped and the over-65s. The payments that count against a person's $4,850 out-of-pocket maximum for a Medicare prescription plan are known as true out-of-pocket (TrOOP) expenses (for 2016). When a person's catastrophic coverage starts depends on TrOOP expenses. The cost of each member's TrOOP is monitored by the drug plan.