Medical Billing Controversy

Los Angeles (myFOXla.com) - Accidents happen... and if you have medical insurance, money should be the last thing on your mind when you're in the emergency room.

Unfortunately, many insured patients find out there's a gap in the system and that they're still on the hook for thousands of dollars.

You can watch Phil Shuman's report in the video player.

The Hospital Association of Southern California advises that you shouldn't wait for an emergency.

• Check your health plan's web site or handout book for the names of every doctor in the network... and what percentage of costs will be covered.
   
• Before an emergency happens, designate someone close to you as your advocate in an ER situation.
   
• Also, Consumer Watchdog's Judy Dugan advises that you should keep meticulous records.
   
• Lastly, don't be afraid to argue the doctor's bill. If you put up a fight, many doctors will reduce charge.

If you have concerns regarding "Balance Billing" and/or charges for an "out of network" doctor, check out consumerwatchdog.org.