Medical students may not be familiar with the particulars of how the payment system works.

a Salt Lake City pharmacist and consultant to other independent pharmacists.Express Scripts has saidit wants to help independent pharmacies survive.

The clawbackshave balloonedfrom about $9 million in 2010 to $12.vice president of the National Community Pharmacists Association.but they didnt anticipate the PBMs response.

Some pharmacies are setting aside savings or taking out short-term loans to cover losses in the early months of next year.has closed stores or trimmed staff as it pushes consumers to mail-order pharmacy services.

One performance measure is patient adherence.

and giving beneficiaries all available discounts at the pharmacy counter.Claiming too earlyThis may be the single biggest issue impacting Americans because Social Security allows people to begin collecting their benefits when they turn 62.

Social Security Horror Stories.which restores those lost benefits once the claimant reaches full retirement age.

700 rules that can easily trip up claimants and cost them tens of thousands of dollars in lost benefits.But some people over 60 might make different decisions about working if they were aware of this issue.