NEW YORK (AP) — Few things make me feel as clueless as a bill from my doctor's office.

I don't recognize the abbreviations or understand the jargon. I can't tell when I'm being charged too much. And there's no screen on the wall, at least not at my doctor's office, tallying the cost of each extra test I agree to or question I ask.

But, even if you have health insurance as I do, medical bills can spiral quickly, eating up savings or in extreme cases leading to bankruptcy. Here are ways to protect yourself throughout the process.

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