Every December, the same ritual plays out in pharmacy aisles across the country. Millions of Americans, staring down a hard deadline, load up their carts with whatever qualifies: extra bandages, a third bottle of sunscreen, cold medicine they don't need yet. It's not because they want these things — it's because they're about to lose the money if they don't spend it. This scramble is almost entirely avoidable, and most people don't realize it. The Size of the Problem Roughly 62 million Americ...

The Letter of Medical Necessity

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