Medical bills have a way of surprising you, and typically not in a good way. Even routine medical procedures can come with pages of itemized charges, insurance adjustments and remaining balances that seem to shift, or, in the worst-case scenario, grow, from week to week. And, as the increases to healthcare costs continue to outpace wages and inflation , more Americans are looking for ways to cut their medical bills down to the lowest number possible. But here's the part that many people don't

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