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Explanation of Benefits In California, health plans are supposed to help facilitate the appeals process and inform members in writing how to appeal. (Photo: Shutterstock)

Have you ever stepped up to the pharmacy cash register only to learn your new prescription will cost you hundreds of dollars — instead of your typical $25 copay — because your insurance doesn’t cover it? Or received a painfully high bill for a medical test because your health plan didn’t think it was necessary?

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