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However , in order to receive these protections , beneficiaries must apply for a supplement policy within 63 days of disenrolling from the health plan , or within 63 days of the termination of the health plan . Neither the studies nor the drugs are paid for by a drug company , and neither the physicians nor the patients know which version of the drug they ’ re using . " If you ’ re struggling with a work or family issue , help is just a call away . These plans have become popular in good part because of the tax-deferred buildup during the accumulation period , the time during which you pay money into the annuity contract . PERS must withhold 20 percent federal tax on the taxable portion of your refund unless you elect a direct-transfer rollover . You may be surprised how you all can loosen up about your thoughts and activities when you ’ re walking in rhythm . However , if you can prove that you have implemented an efficient model for internal risk management ( subject to any operational or supervisory risk weightings ) , you could bring the risk weighting down still further . The teacher will start the class by showing slides of Hagia Sophia and Byzantine mosaics and posing the questions : " How many of you can describe to me what type of architecture this is from what you have learned from previous art or history classes ? They ’ re finding out if their blood pressure , blood sugar level and body mass index are all in the “ good ” range . However , more changes are needed . ( If your doctor bills you more than the reasonable and customary charge , again you may still have to pay a portion of the bill . However , a plan may provide a longer period of coverage beyond those required by COBRA . Many doctors use computers and hand-held devices in the exam room that quickly let them look up plan formularies while they ’ re with the patient .