If you don’t take the time to review doctor and hospital bills for errors, you could wind up paying outrageous or mistaken charges, notes the Medical Billing Advocates of America, an association that focuses on spotting and adjusting billing errors and insurance underpayments (www.billadvocates.com). What to do if your medical bills seem unreasonably high:

Seek a review.
If you disagree with your insurer’s decision not to approve a claim or pay a bill, you can ask for an internal review.

Get an advocate.
If a medical bill seems unfairly high and your insurer refuses to cover it, consider consulting a billing advocate. Advocates charge hourly or base their fee on the amount recovered. Ask for an assessment of the problem at the outset and decide if it’s worth the potential savings to proceed.