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Who’s to blame for out-of-network bills? 86 percent of respondents said insurance companies are very or somewhat responsible, compared to 82 percent who said hospitals are. (Photo: Shutterstock)

Getting a medical bill out of the blue that required payment for a service you thought was covered is something that happens to a lot of people. A new study finds that it occurred to nearly 60 percent of Americans in the past 12 months.

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