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Insurance companies are increasingly emphasizing value-based plans to align consumer spending with the value generated by a service or drug. However, pharmaceutical makers are seriously undermining these efforts by issuing “copayment coupons.”

When it comes to investments such as mutual funds and exchange traded funds (ETFs), most people bury their heads in the sand and cringe at the thought of figuring out how to reduce their investment’s annual expenses.

The CDC is warning of a high threat of tick-borne illnesses this summer, including the sometimes-deadly Powassan virus. Here are five things you need to know about Lyme disease and Powassan and how to code for them.