I get health insurance through my employer, but have still received large medical bills. AdvertisementI became an accidental expert at investigating medical bills — and getting them reduced — during a few years of doctor's visits for a chronic condition. Luckily, by doing three things, I didn't have to pay over $4,000 that I was going to be billed for. My final tip: Don't assume you're responsible for a payment just because you received a bill. I've had the urge to just pay a bill immediately, even if it seemed outrageous, so I could get it over with.

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