Opening a letter from your health insurance provider to find an unexpectedly high bill due to out-of-network charges can be an alarming and even life-altering development. If you are saving for retirement or already living on a fixed budget in your golden years, such a bill can take months to pay off. There is good news: This type of surprise should now be a thing of the past. A federal law recently went into effect that protects patients from unexpected bills like this. Ofte