General rule for deductible health-insurance premiums. In the medical expense pot, you can include premiums for health policies that cover doctors and hospitals (so-called major medical coverage), dental care, vision care, and specialized health policies that cover things like accidents and cancer.
For me I would say good evening at around 7pm, but some people use 'Evening' to define after 5pm. Wikipedia quotes. 'Evening is the period of time near the end of the day, usually from 5.00pm to nighttime.
Good morning -- wake-up time until 11:59 am. Good afternoon -- 12:00 pm until dinner, unless you eat later in the evening like many Europeans. I disagree with Panjandrum that 'Good evening' is appropriate for 4:30 pm. To me it is a clear 'Good afternoon'. Good evening -- I'd say that good evening can start at 5:00 pm, though. Yes, generally say good night as a goodby. You can also say 'Have a good night' to someone who is heading out to do something for the night.