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Physicians can bill advanced care planning regardless of whether a patient fills out the relevant legal forms, but should review payer contracts to ensure it is a billable service.

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.