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by Brenda Bell
The Other Half and I are on two different health plans, on two different plan years. Mine is the oddball, running along the typical "fiscal year" of July 1 to June 30; his runs along the more common calendar year. Like many large, self-insured companies, his employer switched benefits managers for the new plan year. Because much of January was spent managing his mother's estate, The Other Half took his quarterly physical a month late, at the same time as mine. Given the numbers...

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