Few things say “welcome to adulthood” quite like opening a medical bill and realizing you have absolutely no idea what you're looking at. There are billing codes, insurance adjustments, deductibles, coinsurance, and somehow a procedure that costs one amount on one line costs something completely different on another.

In this episode of Grown-Up Stuff, Matt and Lea tackle the confusing world of medical bills and healthcare costs with patient advocate and healthcare transparency expert Cynthia Fisher. They break down how medical billing actually works, what all those codes and numbers mean, and why the amount a hospital says it charges isn't necessarily the amount you’ll pay.

You'll learn how insurance-negotiated rates, deductibles, copays and coinsurance factor into your final bill, why it's worth asking for an itemized bill, and what to do when something doesn't look right. Cynthia also explains how to question charges, negotiate medical bills, and advocate for yourself when you're faced with a bill you can't, or don't think you should have to, pay.

Because being a grown-up means knowing how to make a doctor's appointment. But apparently it also means knowing what to do when the bill arrives.