Please choose the correct ending to complete the given sentence: Finance and Business: [header] How to avoid surprise medical bills [title] Know your deductible and other plan details. [step] You can log into your insurer's website or call their helpline to find out about your plan's specifics. More plans today have a high deductible, which is the amount of money you must pay in medical expenses before insurance covers costs.

Ending1: [substeps] Locate a money order from the insurer on their website. Most plans do not pay out-of-pocket, though some do annually. Ending2: [substeps] Having a high deductible reduces monthly premiums, but remember you won't be covered until you meet the deductible out of pocket. In addition, premiums don't count toward your deductible. Ending3: To save money, look for plans with low deductibles. Check your deductible to find out if it's covered by your insurance. Ending4: [substeps] This is not all plans that are subject to deductibles. Those with low deductibles must pay medical expenses in addition to deductibles.

Answer format: ending1/ending2/ending3/ending4