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Decode your medical bills
Los Angeles Times - Francesca Lunzer Kritz

People with health insurance who get a medical bill this early in the new year may also get some sticker shock. Few will have satisfied their plan’s annual deductible this soon, meaning they’ll be responsible for a hefty portion of the bill, if not all of it. That’s especially true for patients who go out of network — that is, use a doctor who doesn’t accept their insurance or is not part of their managed-care plan.

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