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Surprise medical bills often happen before you even know something went wrong. In this video, Satra Taylor walks through exactly what to do before a planned medical procedure so you don’t end up with unexpected charges, denied claims, or medical debt. You’ll learn how to spot hidden costs, confirm what’s actually in network, and protect yourself from billing traps that hospitals and insurance companies don’t explain upfront. This step-by-step guide covers what to ask your provider and insurer before care, including pre-authorizations, facility fees, good faith estimates, and procedure codes. It also explains why verbal promises don’t hold up and why getting everything in writing can make the difference between a covered procedure and a financial mess. You’ll learn: •How surprise medical bills happen before planned care •Why “in-network” doesn’t always mean covered •What pre-authorization really protects you from •How good faith estimates work and when they matter •How facility fees quietly inflate medical bills •What documentation to collect before your procedure This video is part of AFT’s Fight for Affordability series, which breaks down how financial systems are stacked against working people—and how to fight back with clear, practical tools. 👉 Get more affordability tools and support: https://www.aft.org/fight-for-afforda... #FightForAffordability #SurpriseMedicalBills #MedicalDebt #HealthCareCosts #KnowYourRights #WorkersDeserveAffordability #AFT