Comb Through Your Bills. Being an effective health-care consumer means understanding the bills and statements that you get after a doctor's visit. To do that you'll need to educate yourself on exactly what procedures you need, what your plan covers and what it doesn't.

Wall Street Journal quotes JoAnn Laing...

"Checking for accuracy is really important," says JoAnn Laing, author of the forthcoming book "The Consumer Guide to HSAs." She gives the example of having an MRI scan. "When you go for the procedure, you need to know everything about it, like whether they are doing it with contrast or without. And then afterwards you need to check exactly what they charged you for."

http://online.wsj.com/search#SB109857321729953860