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How to avoid surprise medical bills
Know your deductible and other plan details.
You can log into your insurer's website or call their helpline to find out about your plan's specifics. More plans today have a high deductible, which is the amount of money you must pay in medical expenses before insurance covers costs.

Options are: +Locate a money order from the insurer on their website. Most plans do not pay out-of-pocket, though some do annually. +Having a high deductible reduces monthly premiums, but remember you won't be covered until you meet the deductible out of pocket. In addition, premiums don't count toward your deductible. +To save money, look for plans with low deductibles. Check your deductible to find out if it's covered by your insurance. +This is not all plans that are subject to deductibles. Those with low deductibles must pay medical expenses in addition to deductibles.
Having a high deductible reduces monthly premiums, but remember you won't be covered until you meet the deductible out of pocket. In addition, premiums don't count toward your deductible.