Picture this: You receive medical treatment or are hospitalized within your network and are covered by your health insurance. But somewhere along the way, the amount the insurance will pay doesn't completely cover the amount one of the physicians charges. The leftover balance is then sent to your home in the form of a bill — one that could total more than tens of thousands of dollars.

"Balance billing" happens frequently, so you'll want to be sure you can defend yourself from these exorbitant costs. Read more about balance billing from Fox News.