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Also, look for that bargain table close to the front of the store brimming with items up to 50 percent over regular price. Insurance is confusing to start with, plus it is constantly changing. This can be a common occurrence as January 1 kicks off a whole new year of pharmacy benefits and beneficiaries are stuck (with minor exceptions needless to say called qualifying life events or QLEs) before the next open enrollment season in November.

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