Please READ your insurance benefits summary.
I just got a $5 medical bill waived by making a simple phone call.
I know it sounds petty but thats $5 I shouldn't have been billed in the first place!
Many people get ripped off with their health care bills and have no idea because they don't read their insurance benefits summary.
Reading is fundamental and will save you
Theres a great book on this called "Never pay the 1st bill."