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We all know the feeling when that crippling medical bill has to be paid. Most of us try not to think about it. We ignore that pain and put off making an expensive appointment to see a specialist we hope it will all just go away. There are some practical things we can do to improve our chances of not having to face huge medical bills. Here are a few suggestions. 1. Identify the areas of your health, which worry you:Many people are afraid of heart problems. Perhaps there is a history of heart disease in the family.