In the U.S., 83 percent of adults and 90 percent of children have a seen a doctor this year.

When the bill arrives, it could pay to check exactly what all the charges entail. It may appear to be a normal bill, but take a closer look. Do you see multiple charges for the same procedure? How about the miscellaneous fees or emergency fees? What do they all mean?

Medical billing advocates said all three are red flags to look out for when reviewing statements.

According to those advocates, hospitals are overcharging patients an estimated $10 billion per year.

To protect yourself, keep the details of all procedures and tests you get.

Miscellaneous charges may be hidden. So ask for an itemized copy, and watch out for emergency fees.

Sometimes, hospitals will bill you for the full use of a department, even if you used the equipment and not personnel.

If making sense of your bills is too difficult, medical billing advocates can help you take care of the charges.

Advocates usually charge a percentage of the total amount of money saved.