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Medical costs - Don't be afraid to haggle
If you go out of network or are in a high-deductible health plan, ask the doctor for a discount.

You can get an idea of reasonable prices at your insurer's website or, for an $8 fee, at healthgrades.com.

One poll says that 60% of patients who negotiate with a doctor succeed. Your best bet: Offer to pay up front in cash.

Potential savings: $85 for a specialist consultation

NEXT: And don't forget...

Last updated June 13 2008: 10:48 AM ET
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